Just a couple of questions concerning validation and CRA. 1. I disputed an item on equifax my credit report back in april. Never heard anything back. I sent a 2nd letter about a week ago along with a copy of the 1st letter and requested they delete the item because of the time that had gone by. They then reply and said they had verified the account. Have they now violated the FCRA. They had a total of 60 days between the first and second letter. 2. I sent out about 8 validation letters to debt collectors . Only received about 2 replies back with the usual printouts. The rest no replies. Can I now send my receipts of certyified mail and copy of my letters to the CRA and request they remove the items. 3. Also if a debt collector threatens to turn you over to there attorneys on the phone the same day you spoke with them, also said they were going to garnish your wages and they never did but contacted you a week later to negotiate to start paying. have they now violated the FDCPA?
