Is it a violation for the CRA to verify a debt to the CA after validation is reuested of that CA since this constitutes collecting practices right? Anyone have more knowledge or where this might be ststed? Kara
It is a violation, however WHO is violating (CA/CRA) the FCRA or the FDCPA is not certain. 1) the CA could be in violation for not sending a notice to the CRA to list the account as "in dispute" and/or for verifying during the validation period without providing adequate proof of your owing the debt. 2) the CRA could be in violation for not listing the account as "in dispute" after receiving notice from the CA and/or not verifying the listing by ignoring your dispute request ... (simply sending you a response "verified" without actually verifying) You need to investigate further. I would send a procedural request to the CRA to attempt to determine who they spoke with at the CA, when, and what information was provided....and whether the CA sent no validation, or inadequate validation, I would send Estopple to the CA. As to where the statement is, see the FDCPA 809(b) or FCRA 611 -Peace, Dave
