Hi all! I disputed a debt with Equifax. Today, I get a letter from the CA, Risk Management Alternatives, saying that they received the inquiry from Equifax, and that I should call them to settle the debt... I did NOT dispute the entry from the CA, but only the OC. The DOLA is 12/98. The SOL in my state is 4 years. Can anyone advise me as to whatmy next step should be? BTW, they have not changed their entry in my report. Thanks! Maureen
I would immediately send a validation request letter to the CA. Since you're still within the SOL, depending on the size of the debt, the CA could (not would) come after you. At least with a validation request in place, you can slow them down. I believe RMA is somehow affiliated with EQ, so I'm wondering if the OC notified the CA to start "actively" collecting on you, or if it was EQ directly. You said nothing has changed with the OC's tradeline on your report. Has it been 30 days yet? Or did you mean they "verified" the account?
