Received Letters from CAs after sending letters to CRAs

[malbone60]

Hello,

I sent a letter to each CRA that basically said the following


"This letter is a formal complaint that you are reporting inaccurate information on my credit report. Please provide evidence that the following accounts belong on my credit report and that my rights have not been abrogated. In the event you are unable to provide evidence or validate/verify these derogatory accounts, please delete each damaging trade-line/account from my report. Thank you for your time and Happy Holidays.

I have enclosed a page from my Experian credit report obtained through MyFICO in which I have circled each account I am referring to."


After sending this letter to each CRA I received new letters back from new collection agencies attempting to collect the debts.

1) I received a letter from a CA seeking the unpaid balance on a prior collection that I settled upon. Is this legal? What type of letter should I send to this collection agency?

--(I have a letter from the original collection agency stating "This will confirm that the above referenced account has been Settled in Full. Our client will notify all appropriate credit bureaus. Use this letter for your records to show proof that your account has been cleared with this office")--

2) I received a letter from another CA seeking payment for an old charged off cable account and another for an old phone account. Should I send a letter like this?

CA Response Letter to My Validation Letter:

?

3) Lastly, I received a letter which tells me to make a check payable to them although it only mentions the original creditors account number and their account number, it doesn’t show a balance, and it states the following...

" Dear XXXX,
We received notification from a Credit Depository (Equifax, Experian, TU) that you generally dispute the above referenced account. We have responded to the inquiry and verified the information on our file.

Unfortunately, we are unable to complete a full investigation of this matter with the information provided. If you wish for us to investigate this matter, please provide in writing the specific nature of the dispute and any supporting documentation. Please send this information to: (their address)"

Does this mean they cant verify so it should be removed from my credit?

What should I do with each numbered bullet?

When answering could you please just number each bullets answer so I know which letters you are referring to. THANK YOU!

Thanks again for all your help here; everyone has been great and so helpful.

[Trish]

Hi and Welcome.

Ok...

1)Yes, unfortunately that is possible. What might have happened is that even though you "settled" with the OC, they could have sold the remaining amount due to a CA. It's shady, yes, but unless you have something stating that they will not sell the remaining balance to any 3rd party collectors, you may be out of luck.

What I would do is take a copy of that letter from the OC and mail it (CMRRR) to the CA that is attempting to collect on this. Is the debt out of SOL? What is amount? If it is not a substantial amount (worth suing over), I would even send a FULL C&D along with the letter from the OC. Just depends on how ballsy you want to be.

2)Are these out of SOL? Usually phone and cable fall under the UCC SOL under goods and services which is 4 years.

And no, if you send them a letter I would not really advise that one. They aren't going to take the time answer your demands anyway. Just a short and simple dispute is better, IMHO. They know (by law) what they are supposed to provide, you don't have to spell it out for them. Plus that looks like a form letter.

3)That's an odd letter. :confused:
Have you received your results from the CRA on that one? (or any of them for that matter) If not, I would wait and see. Not really sure what they are asking, I mean, duh...you are disputing the debt.

If you have already received your results as verified, then just send the CA a DV letter ignoring the letter they have sent you.

It would be good to know the SOL status on all of these just to make sure you are on the right track, but no, you didn't mess up by sending out the dispute letters to the CRAs. Sometimes doing that just makes the CAs crawl out of the woodwork.

One thing I would definitely suggest is opting out and update/deleting all personal info before you do any more disputing with the CRAs.

HTH