I sent a dispute letter to a creditor.. I came back home from work to find a call from this creditor.. Do I need to spell it out for them. If so should I send them another letter telling them point blank do not contact me untill this matter is resolved? One more questioin.. how can I find out if a tradline is listed as disputed.. I have disputed all of my remaining tradelines but have not noticed a chance in my score.. If the OC or CA hasnt listed it as disputed is this a violation?
A dispute letter isn't a cease and desist. Why did they call you--to get more information or to try to get you to pay? And did you request VALIDATION? Don't tell them not to contact you about it. That means they can only sue you, they can't contact you in any other way. What you want to do is to send them a letter and tell them you cannot accept calls and that all future correspondence is to be in writing.
ok thanks.. I only sent the dispute letter..I am not sure but I believe it may be an OC... The debt is a few years old.. It was sort of like a valdation letter though.. I requested evidence that the debt was indeed mine..
-Does your state law allow disputes to original creditors?? -If your state law does not allow this, then they DO NOT HAVE TO COMPLY or even respond. They are ONLY required to report the debt as disputed if they continue to report it. -ONLY a dispute sent to the reporting agency can trigger any consumer recourse if they do not reply/comply with request to investigate. FCRA 623 (b) -It is only a violation if they received a "dispute" and report AFTER they receive the dispute. Check the "updated" date.
-Validation is NOT AVAILABLE at this point. It has been tooooo long. -"Limited" cease communication letters DO NOT REQUIRE THE COLLECTION AGENCY TO CEASE COMMUNICATION. IT IS EITHER ALL OR NOTHING. -The arguement that has been raised here about "phone" communication being "inconvenient" is frivilous. The section relates to PLACE AND TIME of communication, NOT METHOD.
Re: Re: Cease and Disist and other question I am not 100% certain of this.. It was my understanding that you could dispute a debt.. ok I will check this date..
Hiding, glad you're back! Hey, you were major missed by name in several posts today (and yesterday). Hey your Val/Ver url goes to a blank post (pout).
