Hello!
My son just received a collection letter from Convergent seeking a settlement offer on a balance of $782.84 for a Paypal account owned by Comenity Capital Bank, I monitor my sons credit (with his permission) and he did have a Paypal account that was paid in full and closed in November of 2012, this is also stated on his credit report, the account numbers don't even match. I am sending a dispute letter cmrr and was wondering if I should acknowledge that he did have a Paypal account and it has been paid and closed since 2012 or should I just send a simple dispute saying it is not his and to prove it? Thank you so much in advance!