Filed an online complaint with the BBB. They contacted CA and response is: "The company states they have requested a copy of the itemized bill. Should receive in 4-6 weeks." I know there isn't a mandated time frame for a CA validation, but I thought that somewhere there was an opinion or something that said a "reasonable" time was 30 days, not 4-6 weeks. I haven't been able to find it. Must be having a "senior" moment.
I ask because, if you send a validation letter to the CA, (wait until you receive the signed green card back), then dispute with the CRA's, the CA cannot legally verify the disputed account back to the CRA. If they do, they've violated the FCRA and FDCPA. That way, you're locking the CA down to 30 days to either validate, or delete.
OK, just checked my files. Validation #1 sent Jun 10, RR signed Jun 12 - no response. Validation #2, sent Jul 8, RR signed Jul 10 - no response. Disputed with EX Jul 8. Seems like they are locked in as you stated. I think I need to wait until Aug 8.
Sounds good. They either need to come up with validation before August 8th, which they won't, or they need to delete. BTW, monitor the account to see if they ever get around to placing it in dispute. And if they do verify, that's just another violation to add to your lawsuit.
