I've been rounds with AT&T. Sent them a nutcase/validation. They sent a weak response with no proof of debt. Sent variation of nutcase. They again sent a weak response with no proof of debt. Sent semi-intent to sue letter, sent letter stating that because I made a credit card payment on account that it definitely belonged to me. As far as I'm concerned, not good enough. What now? Fax an intent to sue, sue, give up? Any help is appreciated. Also, anyone every fax intent to sue with success. Is this a good strategy?
the oc is not required to validate, only the CA. Have they marked your account in dispute. They are required to do that. Your account on Exp would say something like disputed, meets requirements of the FCRA--or something like that.
the only problem is, you have no idea how long the CRA had the UDF to mark it in dipute. for ex: a CA sent me the UDF proving they requested it, and it took the CRA about 6 weeks to do it. They say it can take up to 3 months.
They say it can take up to 3 months. tracyb0313 ================= So if a creditor or insurer pulls a report during this period you will get fleeced for more money based on known false information
