I am in need of a good letter to the CRA's telling them to delete a certain account cause the CA has yet to provide the proper validation. Any ideas?? Thanks!
Depending on how far along you are in in the dispute and validation process with CA and CRAs, the Sample Letters has a few letters that you can tailor to your needs.
The appropriate question is how much time have you allowed the CA? Did you previously dispute the account with the CRA? i.e. The minute that the CA signed for the green card for the validation letter, disputed it as not mine, or one of the other standard disputes, and the CA verified it, without validating? Remember, the simple dispute is always best first. Butch even has a simpler than simple dispute. If they verify the simple dispute, or have already verified the simple dispute, then that is the time to pick up the sledgehammer.
The CA is over their 30 day limit asI have an estoppel letter prepared to send out to them, however, I did dispute with the CRA's the minute I got the green card and it came back as the same with the exception of an increase in the amount owed (never once has stated as disputed). The CA has not sent anything back to me even attempting to validate the debt. FYI this CA is collecting on bahalf of another CA and this CA is not on my report. It was not sold to this current CA. I looked at the sample letters and nothing really popped out to me as what I was looking for. Thanks for the help guys!
Did they verify the account with the CRA, yet? If not, then by sending *ANYTHING* to the CRA before the results are received, you are giving them another 15 *DAYS* to complete the currently pending investigation. If they verified with the CRA, and they haven't provided validation, then they've illegally continued collection activity.
Ok... I see a problem here... CA #2 sent you a letter for CA #1, who is collecting for OC. You sent a validation letter to CA #2, but CA #2 is not reporting, CA #1 is... THIS IS THE PROBLEM. If you didn't send a validation letter to CA #1 as well as CA #2, then CA #1 technically had nothing preventing them from verifying the account, because *THEY* didn't receive a validation notice, and you have no proof that they received the validation notice which you sent to CA #2. What I do in this situation is send a validation letter to both, prefacing the CA #1 validation with something to the effect that "I have not heard of your company, nor did I have an account with your company, however CA #2 sent a letter dated xx/xx/xxxx, supposedly on your company's behalf." This makes sure that both CA #1 and CA #2, are covered under the validation notice, at the same time. What the CRAs will tell you if you dispute the account with them, is that they have no idea whether the account that the letter from CA #2 supposedly sent on CA #1's behalf is for the same account which CA #1 is reporting, and that they can not accept documentation from a third party, CA #2.
***ignore this post.....***** couldnt get rid of it commpletely so I just deleted its contents.....the next post is valid....
So I have a letter typed up to CA 1 stating that I receieved a notice from CA2 on their behalf and this is the validation letter I sent to CA2 and send that as an enclosure to the letter of CA1. In the meantime, how should I respond to CA 2 for not validating the debt??? Is CA2 not required to tell CA1 about the validation letter being that CA2 is collecting on CA1 behalf? Their 30 days was up on the 3rd. Thanks once again!
Yes, they're required to, but without a smoking gun, you don't have proof that they did. This is one of the reasons why the CA's have started doing this extra level of separation, if you can't demand validation directly through them, then you can't invoke your rights as to where they are concerned. So, I'ld send the letter to them with the copy of your letter to CA #2, and then (as long as the CRA they verified with wasn't EX) try to dispute it again.
I'ld proceed with CA #2 on schedule with whatever plan you regularly use. You'll want to enclose that letter to CA #2 in with the letter to CA #1 as well.
EX will normally only allow one dispute per account, no matter what, anything after that they label as previously investigated.
To make sure I have this all straight: CA1~Send letter stating I received this notice from CA2 on this date in regards to your company. Enclosed you will find the first validation letter, copy or return receipt and second validation letter. CA2~Estoppel letter CRA's~should I wait until I hear from CA1 since they are the company reporting?
I'ld dispute (at least with TU & EQ, and try with EX) as soon as CA #1 signs the green card. If EX responds with Previously Investigated, then reply back requesting that they provide you the specific procedures which they used to investigate this specific trade line.
Is it okay to dispute via the internet as I have been doing or this time should I do it via snail mail?
For building a paper-trail, paper is the better option. For the most part, with the online disputes, you are fairly boxed into the few options which they provide on the form (especially EQ, which doesn't have an OTHER option). While we know that they boil our disputes down to a simple numeric code, which doesn't come close to providing the df what we disputed, its still good that our entire dispute is on the record, if only in our files, and in the CRA's paper archives... I still occasionally do some disputing online, but 75%+ is done with the paper trail. Especially if you think you may need to resort to battling them in court, you need the paper trail.
