I have followed all the steps in regards to validation. Just sent out my last (3rd) letter giving them 15 days or I WILL file suit. It has been over 90 days and I have recieved nothing. My question now is: On my reports it lists several accounts as sold/transferred by the original creditor. Only one is showing a collection. After I recieve nothing, will the sold/transfer account be removed on the grounds of no validation? Or will I have to contact the original creditor? Thanks to all who respond. I don't post that much because most of the answers I need I find in previous posts!!
I've had better luck when you receive nothing back from the creditor as you can file complaints with the BBB, FTC and AG office. I've always sent updates to the CRA saying you need to delete as the creditor has never reply to my letters that have worked also.
The only thing is if this is all one does then the CAs get by with breaking the law. Why let the CRAs bail them out???
