I received this letter in response to a 2nd letter requesting validation from a CA regarding a 5 year debt the original creditor has told me they have no record of. In the second letter I mentioned how my state told me that the CA wasn't even licensed in my state. ----- "We have received your dispute and have forwarded it to our client for review. Since our client has not responded to yoour dispute, we are unable to respond to your dispute. Your account may or may not have been reported to a credit-reporting agency. If it has not been reported, I will make sure it will not be reported until we are able to respond to your dispute. If it has already been reported to a credit-reporting agency, I will request that they will delete it until we are able to respond to your dispute. When our client gives us enough information to respond to your dispute, we will do so." ----- Well what do you think of that? Do I have them on the ropes? Are they admitting that they verified to the CRA when I disputed altho they had no or incomplete info? Thanks
Hell yeah! Good thing is they are saying they will delete it, but also you have them admitting to violations!!! You could sue. It is on your report right? You got them.
I don't think that is "snippy". And I think "on the ropes" is not appropriate either...I think they are saying they will delete it if it has been reported unless and until validation. So I think "you win" is more appropriate...they MAY claim validation in the future and send you something...in which case you will have to make certain it is ADEQUATE validation. For now, I would wait a couple weeks and check my report(s), and MAKE CERTAIN the listing is removed and if NOT, I would contact the person who sent you this letter and demand it be done immediately per their letter or you will file suit for violations of the FDCPA and FCRA. Congratulations! -Peace, Dave
I appreciate the feedback. I guess I think it's snippy 'cuz of the last line...."when our client gives us enough info to respond to your dispute, we will do so." [sounds like there should be scary/profound music along with that.] I guess "on the ropes" is pretty strong, but I feel like telling them to get over it. They refuse to tell me what that debt is for, when I called the original creditor listed they have no record of me, they are not licensed to legally collect in my state and they admitted that they verified to the CRA's without backup documentation. I'd also like to remind the woman that signed this letter that my state has also fined unlicensed debt collectors individually - not just the firm but the person as well. Anyway I'm still trying to decide if I should sit quiet and to see if they ever do validate and re-insert or if I should go on the offensive and file a complaint with my state and perhaps a lawsuit for what I think are clear violations.
Totally understand that! It feels like they owe us something for all this aggrevation and grief, not to mention REAL dollar losses like APR's that are higher, and in fact they DO according to the FDCPA the FCRA and our courts. I think you won this one, and while you could pursue for further actions and I would not blame you one bit , I would just chalk it up in the win column. DEFINITELY check out your reports to make sure they fulfill their obligations and delete the listing. Again Congratulations, I like those kinds of letters! -Peace, Dave
OK I've had more time to think - I think this is a win. I'm going to take a wait and see approach - also known as the wait and let them hang themselves approach. Reading over the letter I see that they typed my name & address incorrectly. This doesn't make me feel very confident about ther quality of their data. This one was on all 3 reports - buh-bye!
Oh and if they do reinsert without sending you a 5-day letter, you've got them on another violation......Then you can sue them directly. Dancer
