I need help understanding this: Why should you send an estoppel after you have not received a validation response? What upper-hand does it give the consumer?
Lizardking, The estoppel basically means "do not contact me unless its for final resolution to the issue". Is that correct?
Lizardking, What about the documentation that you sent them with the failure of the CA to verify? That had to go past the $7 person. Charlie
I agree that it's almost useless to send a full letter to the CRAs. I did that with EX a couple times and they said in all cases, "...Unfortunately, we could not use this information. We are contacting the source of the information you questioned."
Lizardking, So basically what your saying is to dispute online with the CRA and forget sending them ANYTHING through the mail (Except lawsuit papers) is this correct? Have you had any luck sending them disputes via FAX? This is really beginning to concern me because I have atleast 3 creditors that have ignored my 1st and 2nd validation letters. If what your saying is true then copies of my letters would mean nothing to the CRA at all - thats an enormous blow to my stategy -Sal
Might not mean anything to the CRA, but it would mean A LOT to a judge in small claims court. It would establish that you have acted to resolve the matter, but the CA is ignoring all your requests and continuing collection activity without proving they have legal authority to do so. Gib
What is the reason that you dispute online with the CRA's, while waiting validation from the CA? If you dispute with the CRA, how will you know wether or not the CA has followed the law and reported your accounts as disputed(the account shows as in dispute due to your dispute with the CRA)? Don't I want proof if the CA fails to identify disputed accounts with the CRA's, so that I have another violation to use as leverage against the CA?
Good question. The CA is supposed place a notation on your account that it is in dispute within 5 days or 5 business days (not sure which) from the date they receive your validation request letter. So... you should wait out at least 5-10 days before disputing with the CRA. That way, you gave the CA enough time to place the account " in dispute ", and if they verify with the CRA before they validate the account for you, you now have them on two violations, instead of just one.
