California | Credit and Debt Law
Debt Validation
About 2 months ago, a collection agency sent me a letter requesting I pay a debt. I replied by sending a letter to collection agency requesting debt validation. To my surprise, I got response from original creditor not collection agency. The orginal creditor only sent me copies of old statments. They did not properly validated because they did not send me payment history on account or copy of the original credit card application form that I signed. What should my next step be? Should I send them a letter asking for the payment history and signed application form? Should I write and tell them they are in violation of FDCPA and ask them to remove item from my credit report? Thanks.
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