Sorry to call you out, but i've bumped this many times and have gotten no response. Thank You for your time. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=424825#post424825
sorry i'm not butch.... no, because it's way past SOL, and I requested validation twice, the first time I got no response, and the second time all I received was an invoice. Thanks for your reply
sorry i'm not butch.... ok - because i have to ask...how did you dispute w/the CRA's? (one trick I learned was to add a statement that it isn't mine and a couple months later, redisputed and it came off).
sorry i'm not butch.... disputed as "not mine", and it came back verified before i received validation. But the angle I'm coming from is that a statement does not satisfy the law, and I'm thinking I could write the some kind of letter ITS or something, then sue. I'm not sure though.
sorry i'm not butch.... Hi 800, I checked out your other thread. Jam does a great job so I didn't answer too. He's right on, as usual. Your emotional stand is as follows; Since I tried to get you people to look into this, and you have failed miserably to do so properly, I expect this OFF my report within 5 days - end of story; Further, you've already been given the chance to validate. Any attempt to do so now, at this late stage, will be met with suit for the carefully documented violations which have already been committed. In other words - it's too late. For Release: August 24, 2000 California Debt Collection Agency Settles FTC Charges Of Fair Credit Reporting Act Violations http://www.ftc.gov/opa/2000/08/performance.htm The proposed settlement would require PCM to provide correct delinquency dates when reporting collection accounts to credit bureaus. The agreement also mandates the proper investigation of disputes. Where PCM learns during an investigation that account records no longer exist for a disputed debt, the company must delete the information from credit bureau files within five days. Finally, the agreement would require PCM to report as "disputed" all accounts where consumers have disputed the information with PCM. The 5 days deadline is not optional. So logistically, here's what I'd do if it were mine. Send an ITS, with a copy of PCM and Jams Wollman opinion, via CRRR. You may actually need to file 800. Fortunately it won't go to trial because they have no possibility of collecting. (SOL) Once they know that YOU know of your afirmative SOL defense they will understand the LOSE/LOSE proposition of dealing with you. Since there will be no pmt. from you, and you have all the power 800, resistance is futile. Looked at another way, there IS a time to get good & pi$$ed at these morons. YOU'RE THERE! See? .
sorry i'm not butch.... Thank You very much, as always any help is much appreciated. I'm gonna have to research filing suit now. Thanks Again Everyone!!!
