Ok, I know I have a violation here. And I need some help. Not sure what my next plan of action should be. The thing is. This isa PAID COLLECTION ACCOUNT I'm dealing with. Not sure what my next step should be. HELP PLEASE.
I sent the CA that had it listed a validation letter. It was paid by the bankwhen I closed on my house. Because it was showing up on my credit. So it's paid and I want it off my credit report. So I sent them a validation letter on 9/2 got green card back. Disputedwith the CRA the next day. Spoke to EQ yesterday and they stated that the CA validated. And I still haven't gotten anything back from them. Faxed them and CRRR them a second letter yesterday stating they are in violation and need to DELETE the entry ASAP.
Re: Re: CA verified PAID acct w/ CRA not me You know, I've always wondered about our right to validate a paid debt. Do we really have it? If they don't have to notify us that we have the right to validate because its paid, on what grounds can we still ask for it? § 809. Validation of debts [15 USC 1692g] (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --
Re: Re: CA verified PAID acct w/ CRA not me But when you look at the situation. I didn't talk to them at all. My lender just took care of it since it was paid during closing. Since all accounts had to show paid before I could close.
Re: Re: Re: CA verified PAID acct w/ CRA not me If they don't have to notify us that we have the right to validate because its paid, on what grounds can we still ask for it? jlynn ================= Just because they don't have to notify me doesn't mean that I don't have the right to dispute it. On the grounds that you made payment in error is one reason. THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
