Not My Debt, removed from collection, what to do with Original Creditor

[threetime]

I live in Alaska. After checking my credit, I saw a derogatory mark on my credit from an Orginal Creditor and one from a collection company. I never got a letter from either one stating I owed any money. After some research, I sent a letter of validation to the collection company who instantly sent a letter back stating they would remove from my credit, and they did. But how do I validate the original creditor. I know I don't owe this money. Thanks

 

[quincy]

I live in Alaska. After checking my credit, I saw a derogatory mark on my credit from an Orginal Creditor and one from a collection company. I never got a letter from either one stating I owed any money. After some research, I sent a letter of validation to the collection company who instantly sent a letter back stating they would remove from my credit, and they did. But how do I validate the original creditor. I know I don't owe this money. Thanks

Perhaps by contacting the original creditor?

 

[bdancer]

Your first step should have been to dispute both entries with the credit bureau. That may have gotten both removed faster. You can do that now or you can send a certified, return receipt letter to the original creditor disputed the debt and requesting proof that the debt is yours.

The original creditor is not subject to the FDCPA so don't bother using a validation letter, especially one quoting the FDCPA.

 

[threetime]

Perhaps by contacting the original creditor?

That is the first thing I did. They directed me to the collector.

 

[threetime]

Your first step should have been to dispute both entries with the credit bureau. That may have gotten both removed faster. You can do that now or you can send a certified, return receipt letter to the original creditor disputed the debt and requesting proof that the debt is yours.

The original creditor is not subject to the FDCPA so don't bother using a validation letter, especially one quoting the FDCPA.

I did dispute with the credit bureaus. They said it was mine. That's when I sent the validation letter.

Is there a specific form I should send in requesting proof?

Thanks

 

[davew128]

I'd threaten legal action. Unfortunately what you're dealing with is a flaw in the system. A creditor only has to tell the CRA that the information provided is correct and accurate, it's not required to actually provide any proof.

 

[threetime]

I'd threaten legal action. Unfortunately what you're dealing with is a flaw in the system. A creditor only has to tell the CRA that the information provided is correct and accurate, it's not required to actually provide any proof.

OK, so what type of letter should I send them to make them take notice? I hate to get a lawyer involved as the balance is only $350. If I have to I will but jeez spending money for nothing just sucks.

 

[TigerD]

I hate to get a lawyer involved as the balance is only $350.

The balance on the debt is $350. The increased cost of car insurance is? The increased cost of other financing options is? The negative impact of the item on your credit report is? Did you lose a job because of it? How about a job you didn't even know your were being considered for?

Go to the NACA (National Association of Consumer Attorneys) and seek an attorney. If all the information you gave us is correct, it may not cost you anything to press the case.

DC

 

[threetime]

The balance on the debt is $350. The increased cost of car insurance is? The increased cost of other financing options is? The negative impact of the item on your credit report is? Did you lose a job because of it? How about a job you didn't even know your were being considered for?

Go to the NACA (National Association of Consumer Attorneys) and seek an attorney. If all the information you gave us is correct, it may not cost you anything to press the case.

DC

I don't know any extra cost. I own my own business, so no, I did not loose a job. The point is, if I can't fight this myself, I would rather go that route. If that does not work, then I will get a lawyer. And of course everything I stated is correct.