I sent letters to the Credit Bureau in November disputing items on my credit report. I received letters back stating that they verified all but one. I don't believe that is accurate because I know one of the account is not mine. I then called the credit bur. about one that had been removed. They told me that it was not verified, however--- they could decide in a couple of months to report it again. I thought it was permanetely deleted? Why even dispute if this is the case. Secondly--I have a medical bill still showing and decided to call the collection agency direct. They were extremely rude and very hard to deal with. I asked them to show me documentation that the account was mine. She told me to call back in 7 days. I called today...2 months later and she said she was still waiting for documentation. They obviously have no proof. Is there a law on how long they can keep me waiting for their alledged proof? They are reporting against me and will not prove the account is mine or remove it. Any help would be appreciated.
IF they reinsert it the CRA's have 5 days to send you an updated report. Send the Collection agency a letter certified return receipt IMMEDIATELY, (go under letters section) and send them validation letter #1 (I think). ALWAYS send everything by mail, if your medical bill isn't in the thousands of dollars, you're last priority.
you can send ca for medical bill a validation letter. if they are unable to verify it will be removed.
How long can they make me wait for proof? They obviously don't have it but won't remove it from my credit.
I'm talking about collection agencies. If I send them certified mail they have 30 days? The person I spoke with laughed at me when I told them that. She said they can take as long as they want to provide my signature.
Nope, wrong, they have 30 days from the date they signed for the letter. If I'm not mistaken the validation cites the section that supports this. Don't believe a word that a CA says. Bobbi
don't talk to them on the phone! do send them a cease and desist notice with your validation...... all further communication in writing. Let them know you know business. if you have other questions post here. ca's just want their money, they don't care about being nice.
As far as validation goes, the ca does not have to answer it within 30 days. If they don't send you validation proof, then they lose their right to continue collection activity. So if they don't respond within 30 days, my suggestion is to send a copy of the letter you sent to the ca, along with a copy of the certified receipt, to the cra with a letter demanding they remove it because the ca can't prove it is yours.
