This particular CA responded to my validation letters by saying "mere itemization" met FDCPA requirements. While they were telling me I was full of it, the CRAs deleted - it's not currently showing on any of my reports. However, on the day they received the 2nd validation letter and signed the green card (Jul 10), they pulled a hard inquiry on my EX. OK, I send validation #3 and intent to sue and they sign for it Jul 19. On Jul 29 I get a response - from their attorney! Denied my claim and say they are fully prepared to defend themselves. No problem, I go down to small claims and sue them! Court scheduled for October. Friday I cancel my CreditExpert before the 30 day trial is up. It's not yet cancelled, so I pull it today and, CAN YOU BELIEVE THIS, there is a soft inquiry by the same D*** CA pulled on the day their attorney sent me the letter! These people are UNREAL! Oh well, California's version of the FDCPA provides for $2,500 per violation for pulling a credit report without permissible purpose. Since the tradeline was not on my report at the time AND I was in the validation process, I'd love to see them explain this one to the judge.
