I just want to clarify if others are reading what I am reading. I just read of the FCRA (havent' read the one for Debt Collectors just yet). At any rate FCRA seems to be addressing Credit Reporting Agencies. Within the document (if I am interpreting this correctly) it states when a consumer disuptes an item with the Agency (Credit Reporting Agency) then the CRA shall have 30 days to provide validation, respond etc. Now..... I don't think the 30 days of validation time frame acutally applies to when the consumer demands validation directly with the 'client'/collector. If I am correct in this interpretation, then we can send the a certified letter and demand proof in 10 days or 15 days like any other demand for payment .... If this is the case, then this will give us an additional advantage. What do you think?
