Equifax

I just received a letter back from Equifax regarding a BOGUS account that I know is NOT accurate that states they (Equifax) VERIFIED that this item belongs to me? I NEVER received ANY thing from the CA who are 8 days away from the "30 day rule".

I understand what form I need to send to the CA due to the fact that they never sent me the info I asked for but what form would I send to the CRA? Would you guys suggest sending out the second letter to the CA then sending something to the CRA or do both at the same time. Either the CA verified a debt with the CRA without ever getting in touch with me to show me this proof that this debt is mine OR the CRA just "verfied" without really checking. I am not sure which but I am trying to get ready for round two thanks in advance for your help

 

Equifax states they contaced the CA and the CA reported to them there findings (in this case they verified this account as mine) they list the CA name address but no phone number I have all of this info already as I sent a CRRR to the CA around the same time I sent my dispute to the CRA. I never heard back from the CA but received this letter from the CRA today? I plan on sending the second request for a debt validation to the CA since I never heard anything from them but I was not sure on what to send the CRA if anything?

 

Well after looking over the board it looks like I should send the estopple letter to the CA correct? I have done a search for this letter but so far no luck if anybody has the link please post it but I will continue to look. Thanks

 

OK I found the estopple letter but I have a question would I not send the debt validation letter (30 days) since this will be the first 30 days that the CA did not respond. Would I just send out the debt validation letter regarding no response after the first 30 days or go right to the estopple (which shows 60 days in the example letter) thanks again

 

The non- proof that you are talking about came from the CRA I thought all they needed to verify a debt was to write, E-mail what have you the CA and ask if this debt is mine if the CA response with a yes then the CRA has done its job and in there eyes the account is mine.

Now I understand if the same info/non info were supplied to me by the CA it would NOT be considered proof that the debt is mine but since I have not heard anything from the CA I figure my next step is to send out another letter to the CA what letter I am still trying to figure out. Also what about the CRA what do I send them? suggestions

 

Anyone have any suggestions? Do I need to just focus on the CA then if I get no where supply the CRA with all of my attempts at trying to get the CA to show me some proof as to why they verfied this debt with the CRA? Also after the first 30 day and the CA has NOT sent you anything due you guys go straight to the estopple?

 

Haaaa thanks I hope someone can set us both straight or maybe confirm your info. I know different people use different things but I would like to hear what is the best route to go.

 

Did you guys notice that in the sample letter for debt validation2 (if no response after the first 30 days) that the wording (If I am reading it right) seems to be for a CRA NOT a CA? The sections of the law that it quotes

"Federal law requires you to respond within thirty (30) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), you may be liable for your willful non-compliance"

seems to NOT apply to a CA? Maybe I am reading this wrong but it seems from what I understand most things realted to a CA would fall under the FDCPA (Fair debt collections pratice act) am I wrong here or missing something? I know in the sample letter it states that this letter can be used for either a CA/CRA after the first 30 days if you receive no response.

I also understand that you will have to change certain things on these sample letters that apply to your situation but if you just went of the suggestion that this letter could be sent to a CA I think you could be speaking of a different section of the law.