Thanks guys for your comments!
Rogerdoger5...
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Because of the FDCPA they had to respond to this with something and cease all collection efforts for 30 days while they investigate
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The third letter from debt collector says this:
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WE have received your dispute but we are unable to investigate at this time.
You have provided insufficient information to substantiate your claim.
We will complete our investigation within 30 days of receipt of the following information...
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It appears that they are only going to investigate once they receive the information they have asked for.
Well I'm not sending anything because I have no dispute with them.
What I find interesting is they claim I have a dispute.
I had no dispute, they sent me the collection letter first. I would have paid in full. I was only rebutting their presumptions that there might be some sort of relationship between us.
And my offer to pay shows I had no dispute, or why would I offer to pay?
I believe the same priciples used in my letter to the creditor, can be used in other areas.
I hope someone else trys this, I would like to see their results.
Peace
Acadian