CA did not Validate

Discussion in 'Credit Talk' started by JustinTJ, Aug 3, 2002.

  1. JustinTJ

    JustinTJ Well-Known Member

    Ok experienced folks, I could really use some advice. My collection agency recieved my validation request on July 1st. It's now August 2nd and I haven't heard anything back from them yet. The 30 days are up. I sent a dispute to all three credit reporting agencies on July 29th. The collection agency did not list my account in dispute with any of the credit reporting agencies, is this three violations or just one? I understand that if they do verify the debt with the credit reporting agencies after not validating it with me it is another violation. Is that correct? They lost their edge, I belive I have them on 4 violations for not marking it disputed, they also put a collection activity on my equifax report that wasn't listed as disputed either. Now if they verify it with the CRAs, after not validating with me, I have another. My main question is, what do I do next? Do I send them a cease and desist letter? Prove it or remove it letter? The debt validation letter 2 from the sample file gives them a goodwill period that I really don't want to extend 15 days. Thanks in advance for the good advice.
     
  2. LKH

    LKH Well-Known Member

    Don't take this personally, but this is another case of someone jumping the gun when they really don't understand yet what or why they are doing something. I joined this board in March of 2000. I didn't start my credit cleanup until March of 2001. It took me a year to know what to do. I'm not saying you need to wait anywhere near that length of time, but just understand what you are doing before you do it. Not all circumstances are the same and what works for 1 person may cause trouble for another. OK, sermon over for the day. LOL

    Justin do a search here for demand letters. I think that is what you need to send. Failure to mark the acct as in dispute is only 1 violation even though it happened with all 3. Read the faq's at the top of the page. Read the FCRA and FDCPA in full. Then read as much as you can on this board before sending out anything else.
     
  3. picantel

    picantel Well-Known Member

    I would just send out he 15 day estoppel letter. You do not want a judge to think you are lawsuit crazy. Show the judge you tried everything and keep proof of it all.
     
  4. charlieslex

    charlieslex Well-Known Member

    The CA has 30 days to validate. Then you need to give about 10 days for the snail mail service. Charlie
     

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