Is Repeating Initial Information Provided, Considered A Validation Response
While courts are divided as to what constitutes proper validation, they certainly have not ruled that validation may be accomplished by merely repeating the information required by 1692g(a).
In Chaudhry (see Myth #3), the Fourth Circuit Court of Appeals ruled that verifying a debt "involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming is owed; the debt collector is not required to keep detailed files of the alleged debt." However, documentation had been provided by the debt collector in that case.
In reality, the answer is no. Allowing a debt collector to validate a debt by merely repeating the information in its initial communication would be the same as allowing the collector to say "because I say so." It would be contrary to the language in 1692g(b) and would render that subsection meaningless.
Related Articles
Can One Send A Debt Validation Letter At Any Time
According to the FDCPA, a letter requesting validation must be sent within 30 days of a debt collector's initial communication. An initial communication is usually the first debt collection letter which contains the 30-day notice found in § 1692g(a) ...
What Information Cannot Be Given in a Freedom of Information Request (FOIA)
Recorded information includes printed documents, computer files, letters, emails, photographs, and sound or video recordings. The Act does not give people access to their own personal data (information about themselves) such as their health records ...
Who Should Be Sued For Invalid Debt Verification & Validation
If one has received a letter, call the phone number listed and inquire regarding the basic information needed: 1) amount of the debt, 2) name of the current debt owner and 3) information to contact the original creditor. If this information is not ...
Can I Trust You With My Payment Information
Yes, but you don’t have to trust us because we never directly handle the payment information. It goes direct to a 3rd party processor so the information is secured and unable to be charged without permission.
How To See Affiliate Stats & Customer Information
1. Login to the Affiliate Area to access the affiliate account (or sign up if not yet registered). 2. Once logged in, one can see their stats. To see a list of buyers and their emails (for future remarketing for other PWA products), scroll to the ...