Bad Verification Letter?

[heathro1281]

I sent a Verification letter requesting interest calculations, information regarding the CA's authority to collect in my state ect. All they sent me were past bills?!?

No verification they are owed the debt and no proof they are legal in my state to collect, there is 3 days until the 30 day stipulation in my letter runs out. If they 'time out', is this letter good enough or can I dispute it since they didnt fulfill everything that I asked for?

This is a scrubbed copy of the letter I sent:
xxxxxxxxxxxxxxx


Date: March 2, 2009

Re: Acct # xxxxxxxxxxx

To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on February 4, 2009. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:
 Show me what I owe this money for.
 The services I received.
 Show me the details and calculations of how you calculated that amount.
 Provide me with letters and/or proof that I agreed to pay what you say I owe.
 Provide me with verification or judgment of any debts owed.
 Identify to me the Original Creditor from whom I made the purchase.
 Prove that the Statute of Limitations has not expired on this debt
 Show me that you are licensed to collect this debt in my State
 Provide me with your license number and Registered Agent
 Show me that you are authorized to collect this debt on behalf of the Original Creditor.
 Give me a complete transaction and payment history from the Original Creditor.
 Show me what the original amount was when this Debt was assigned to your Debt Collection Agency.
 Show me any fees and interest charges that have been added on to this debt.
 Show me how you determined and arrived at these fees.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

Thank You,

xxxxxxxxxxxxxxxxx

[Trish]

Hi heathro. Welcome.

See the thing with that letter is.....it's a typical form DV letter. They will know you got that off of the internet. And it's just asking for way too much. They are not going to send you everything you asked for. They are lazy......plus they may not have all of that info.

SO.......I think you should focus on proper validation. They probably think past bills are enough.........but they need to provide a detailed list showing how they arrived at the amount they are trying to collect on. Preferably something with a signature proving it's your account. AND the bills have to be from the OC........not just some computer generated printout. Anyone can do that.

If it comes from the OC then more than likely they do have the right to collect on it.......but you can still request that info if you want to.

You should look to see if they are licensed/bonded to collect in your state........depending on your state's requirements

What I would suggest now is that you send them a DV2. So that way you are letting them know that what they have sent isn't good enough. Be sure to send it CMRR.

Hope that helps.....