anyone had any difficulty with the credit bureau's accepting no response from the CA's. I have a couple letters out now to CA's that the 30 days will be up at the end of the month and so far no response or no legal response. I plan on sending the estoppel when the 30 days are up. I will then dispute with the CRA's and include copies of my letters and advise they have not validated and request removal. I just wondered if anyone has had problems with the CRA's accepting this and if not, what did you do about it? We all know they rarely verify like they should so do they accept validation letters or is that just another big battle? Had the CRA's verified these collections properly I would not be going through the validation process in the first place, they would have been removed the first time I disputed them. One collection agency is out of business and the phone is disconnected, yet Equifax was able to verify using that same phone and address according to their procedure response. Amazing!!!!!!! I'm waiting on that CRRR letter to come back undeliverable and bad address to send to them. TU and Experian removed it but Equisux was able to verify. Sure they did.
If after receving your proof (i.e. no response to validation or estoppel) the CRA again "claims" to have verified the information, its time to sue. You could send as a courtesy an intent to sue ltr to the CRA, and if they don't play ball, file against them. You could even include copies of your TU and EX reports (block out info you don't want EQ to have) with your intent to sue ltr. That way, when it goes in front of a judge, you will not only have your validation and estoppel as proof, you'll also have proof that other CRA's deleted (plus this company no longer exists) and EQ couldn't have possibily verified.
I realize I would have a good case in court, but that would be my last resort. I was wondering if anybody has had any problems with the CRA's accepting copies of your validations, estoppel, and CRRR receipts as proof. Has anyone had difficulty getting the CRA's to accept this and delete the items?
Last month I sent copies of all my validation letters and certified mail receipts to the cra re:gulf state. I sent a letter to them spelling out that gulf state couldn't validate and therefore, there is no proof of debt and delete it. They did another investigation but wanted further documented proof from gulf state. In other words, they didn't accept the standard, "yeah - that's his acct." and they deleted it. The letter I sent to the cra is in the letter section. I think it is validation #6. It was entered on 12/12.
Thanks LKH Thats what I was wondering. I knew without proper validation I could sue and win but I wondered if I would even need to go that far. I had seen lots of posts about validation but very little about how the credit bureau's react to them. Anyone else have any problems with the credit bureau's accepting your documentation? What did you do if you ran into a problem?
If the cra refused to delete, it would have been because the ca verified it - violation. At that point, you'd have to file complaints with your state atty. general, their state atty. general, the ftc, your state banking dep't and also file a small claims lawsuit against the ca. At that point, I don't think you'd have too many more problems with them.
