I disputed a collection with IC Systems. They sent me a letter at 30 days saying that the OC hadn't validated and they would delete their account from my credit report. I sent the letters to the CRA's and all items were deleted. NOW about 10 days later IC Systems sends me a bounced check of mine as proof. Isn't there a violation there if they reinsert their entry? Thanks Charlie
The violation would be with the CRA for not notify-ing you of the re-insertion. The item can get re-inserted whenever the validation information is received. The other violation in there is that a bounced check is not proper validation and came to you from IC after the 30 days. I would resend the letter you received from them to the CRA saying "they could not validate and the item would be deleted" and see if it gets re-deleted -Peace, Dave
Also, the ca would be in violation of the FDCPA. The OC sending you proof does not give the ca the ok to reinsert it. They must obtain proof from the oc and then they (ca) must send it to you.
