If an OC refers an account to a CA, (not an attorney's office) is it a violation for the OC, and the CA to both report to the CRAs (updating) ? Both are listed on my CR, but the OC states the account was charged off 2004, but is still reporting. The CA is sending dunning letters, and also reporting. I also failed to mention this same CA tried to collect for this same account back in 2004, and when I requested validation the collection attempts stop. They never reported anything on my credit report. Now in 2007 they sent their 1st notice to try to collect, (same account with the same account number from 2004) I immediately responded with a validation request. Some how they placed a TL on my CR in 2006. They never validated from my 1st request, plus reported derrogatory information on my CR after I request validation. Is there any SOL for me to file charges on the CA ?
It sounds like you have solid documentation of "continued collections efforts" with this issue. If the tradeline was reported in 2006, you are well within any SOL for suit. The key item here is action; "Intent To Sue" letters do not work anymore, you need to jump straight to actual legal suit. BTW, have you disputed this tradeline w/the CRAs yet?
