Sherri
Piedmont,#2Consumer Comment
Sun, August 07, 2005
And in the cease and desist, DEMAND that they validate..something with your signature, not a printout from their database. Send them something like this: In accordance with Section 809-Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide to me, in writing, the following: 1. Explain and show me how you calculate what you say I owe. 2. Provide me with copies of any papers that show that I agreed to pay what you say I owe. I have disputed this debt (the second time I have disputed this with your "agency" with no response for my request for validation) therefore, until validated, you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit reporting agency, then you must immediately inform them that this debt is in dispute. Reporting information that you know is inaccurate of failing to report as disputed violates the FCRA e1681s-2. If you do not own the rights to this debt, please send a copy of this dispute letter to the original creditor, so that they will have documentation that they will be aware that this remains in dispute. I do NOT deal with collection agencies or debt buyers, so if there is an issue, it will be resolved with the original creditor. I If you are unable to validate, this must be removed within 30 days from today, or I will sue for damages under the FCRA. This situation has gone on far too long and I expect immediate resolution. You cannot verify what does not exist. Finally, in accordance with section 805 (c )Ceasing Collections, of the FDCA, please do not contact me regarding this, except by official mail and then only to inform me that your collection efforts are being terminated or that you are taking specific actions allowed by law. Very truly yours, I would also cc the Federal Trade Commission, The NJ and California AG's offices, as well as the State Bar of California. Jack Boyajian is a scuzzball. Don't feel bad..they tried to collect a "debt" from me for supposed services from a doctor in 2002..the doctor retired in the late 80's and died in August 1992. They aren't the brightest bulbs in the junk debt buyers/collectors lamp.