Long story short: I disputed a collection with them in March 2006. They responded to that dispute and stated they would validate. 30 days later I receive a letter requesting more time to validate. Never heard from them again. In the meantime they reported to all 3 CRA' that the account was in dispute. I disputed again with CRA's last month and guess what? They not only verified but they reported that the dispute had been resolved!!!!!! They are really making my nature rise with this crap. What would you do?
Before you sue, you must show that you tried all prudent avenues to resolve the issue. So, I recommend that you send copies of your original validation request, a copy of the response letter requesting more time, copies of your recent credit report showing their validation and dispute resolution. Request the original validation again, this time giving them less time to furnish, say 15 business days after receipt. Make sure you send it Certified Mail Return Receipt Requested to have evidence of receipt (and date). As for the CRAs, you can request a reinvestigation; I would send it in writing, enclose copies of the letters from the CA, and again send CMRRR. State in your letter you would like evidnece of verification and investigation.
Actually, I do not think so. This posted to the CRA's in 2003 and I started communicating with them last year. How does this bear on their obligation to furnish "accurate" data if indeed they choose to report the account?
If you didn't request validation within 30 days from receipt of their initial communication then they can take the continued collection activity that they've apparently taken. Moreover, they're notating the account as being in dispute is in compliance with the FDCPA and FCRA. Sorry, but I don't see any cause of action under either of the above statutory frameworks.
