Please help me fight CFC
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Posted by ronaldh
(24.213.19.38) on July 28, 2004 at 17:19:05:
I wrote awhile back about a situation I am having with CFC Financial (Asset Acceptance). I originally disputed with the CRAs that this account is not mine.
I sent a certified letter to CFC on 5/21/04 demanding validation and proof of claim. I heard nothing back from them until 7/15/04. They sent me a one-page "account statement". It gives a statement date of 7/15/04. An account number; lists the prior/original creditor as SBC Michigan. It gives my name, the principal amount, interest/fees and total balance (which keeps climbing).
In the meantime, they have also continued to 'update' the information on my credit reports. I disputed (online) with the CRAs that CFC has NOT provided me with the validation/proof of claim that I requested. I also stated that they appear to keep reaging this account. (It is showing a collection/chargeoff as of June 2004) I just received a response from Experien stating that the account has been updated. I contacted Experien and asked how they could possibly update an account where I have received no validation/proof of claim. I was told they can only go by what the creditor tells them. Please help me. Enough is enough. What letter(s)/steps do I take next.
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