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This is what happened to me, except it was Experian. I sued them and they paid for their position :) L
LMBO!!!! Definately send these guys a validation request. These were the first people I sued! a) 3 separate accounts with LJ Ross (was...
I don't know about this. Anyone can sue...they don't consider filing a civil suit as continued collection activity and a request for validation...
You are going to nail them :) L
Okay, I have to chuckle. Uhm, Kid...if you are ignoring Butch, which is what [ ] means because that is what you see when you have someone on...
Here the fee for filing a complaint is $150 in federal court. I have always gone with federal court because my cases have always been based on...
If you use the search feature keyword Innovis, you will find some stuff on it. Initially I believe people had trouble when they called Innovis...
I would do a followup letter again requesting validation. Give them 15 days and then send the estoppel letter and if they don't respond and don't...
They don't have to validate...they are the original creditor. :( Watch for them to re-age the account, though. L
You could add them as a party defendant. If they choose to cross-claim, that would be up to them. Butch, I think its creative thinking, but...
Federal...since it would be a federal question, the amount of money in controversy doesn't come into play. This is my court of preference and I...
Just a quick word of warning...don't think that just because they don't provide proof of the account they don't have it. They provided statements...
I've dealt with them...they were horrible. Ended up suing them. L
Write them again referencing your first procedural request and tell them you are again requesting the specific method they used to verify the...
wow...lessee...In October of last year I started with 18 derogs on Equifax, 13 on Experian and 12 on TU (I'm pretty sure...these are very close at...
Original creditors are not bound by the FDCPA (which is where the validation part comes in)...they are bound by the FCRA preventing them from...
Couldn't edit :( Here's the info for Sears: Sears, Roebuck and Co. is a New York corporation with its principal office or place of business at...
You probably don't want to sue them personally, since they are a corporation. You can serve them through their registered agent. Also, keep...
I emailed you earlier today about something back and hadn't heard back from you...just wanted to make sure you got it, but both of my email...
I don't know if it affects your score, but when they do a manual review and actually look at your credit report, that can hurt you. L
