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vetchik

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debt validation
I sent a debt validation letter to a collections agency in response to a credit report listing in July 20011 for $527. They responded with a past due bill from 2009 for the amount of $304. The debt is obviously not properly validated. What do I do now?

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First off, when you see something on a credit report you think may not be yours, file a dispute with the reporting credit bureau.  They have to investigate and either verify or delete said item.

Search "Statute of Limitations for Debt Collection" and see what it is for your state.  In some states,it's only four years, in some it's ten. This debt may be uncollectable due to expiration of the SOL.

Finally, was they sent to you does not qualify as proper validation (and they KNOW it!) so the debt is uncollectable due to "improper validation."

Please read the articles and utilize the tools on this site so you can learn how to build and maintain a good credit score.  Credit Karma was set up to help people understand how credit works and how to make credit work for them.

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