Letter from CA

[whootle]

I wrote a letter to the CA asking for proof the account in question was mine. I received a letter back saying, yes this is yours and here is a copy of one of the statements. I wrote back stating that wasn't what I asked for. (I asked for a contract including my signature and such.. ) This is the response I got:

(((((((Dear Whootle,

This letter is to acknowledge receipt of your inquiry regarding the CA trade line on your credit profile. Please be aware that this account was originally opened with Washington Mutual Bank (formerly Providian National Bank) for a credit card. In March 2006, CA was contracted to service your account. However, the account charged off due to non-payment and the account was forwarded to a collection agency. For your convenience, please find the enclosed documents regarding the above-referenced account. In addition, our records indicate that this account is paid in full.

After investigating of your account, CA denies that there is any inaccurate information being reported by CA in regards to the above-referenced account. If you believe that your credit profile is appearing incorrectly, please dispute that information directly with the credit bureaus.

If you could have any further questions please contact the collection agency handling your account.))))))))))



So, my question is, how do I make it any clearer that I want to see a signed document? What do I do now with this PITA CA? *also, the "documents" enclosed with the letter were computer printouts from their system and a statement. That's it.

[30daylate]

I am not sure that they are required to do more than show you that this is your debt. I read up on the Fair Debt Collections Practices Act but I didn't see anything saying that they had to send back a signed document.

[Lian]

This looks like proper verification to me.

They have shown that you had an account with the OC. They are not required to provide legal documents from the business files of the OC to prove this. The DV process is not a legal discovery process.

If you are doing more than just fishing, and have documentation that you never had an account with the OC, then you should address that by way of a dispute with the OC, and not by way of debt verification with the debt collector.

[30daylate]

I agree. The creditor isn't bound to what you want they are only bound by their obligation to follow the debt reporting laws.