Graham1954
Clarkston,#2Consumer Comment
Sat, January 21, 2012
By law they cannot just state "This is who you owe" They must provide FULL details of the original creditor and date of the last payment made as a very minimum. I would presume as they just stated this is the creditor they have no real proof so I would use a free credit report site such as Quizzle.com to check your credit report and if their negative report is on there dispute it.
They then have to prove to the CRA that the debt is valid. Please note that you don't have to prove anything, they have to prove their case. I have had in the past bottom feeders like LVNV ask me to prove I don't owe them and in every case when I refused the negative was removed within 30 days.