Ok, I have read several posting regarding violations w/ validating a collections reporting and I wanted to get a better understanding of my rights. I sent a paid coll nutcase letter via certified mail and it was received and signed for on 8/28. How much time does the CA have to report "in dispute" to the CRAs while they are figuring out their crap? When and if they validate, what could I expect as a lawful validation and proof for a dental bill that went to collections? Thanks in advance....
There is no time specified by law. But naturally, in a reasonable amount of time (which may vary per person). At the least, I would expect dental invoices, and proof of my consent to be the responsible party for any unpaid charges. Were you insured at the time?
The law on paid collections is very unclear. They may not even have to report it in dispute, after all you did pay it.
If the CA is reporting information to a CRA about you, then they are obligated as a "furnisher of information", to label the account in dispute whether paid or not. 623. Responsibilities of furnishers of information to consumer reporting agencies(3) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Hope this helps.
