ok, here is the reader's digest version. on 5.19 Arrow Financial (CA) and Cap one (OC) recieved my 1st request for val. No response from either. On 6.19 they both recieved my second request with stronger language, FCRA FDCPA etc. Today 6.25 I disputed the items on my reports with all 3 CRA's. My Question is this: Was disputing with the CRA's a mistake? Or can I turn around if they dont remove them and show how Arrow and Cap didnt respond? Any and all input would be appreciated.
Don't fool with the OC and only send the Valadation letter to CA. You don't want to get the oc active in helping the CA to validate.
Sorry, just a little clarification. Perhaps i condensed it too much? Arrow is a separate collection account with NO relation to the Cap One. Cap One is just a charge off that I am trying to tackle.
Actually I have. I belive that I understand the validation process. I even went through the fool.com seminar psychdoc was a part of. The nature of my question was just if my period of validation and non response counts when presented to the CRA's for deletion. That wasnt an aspect that I was able to find in searching the board. If you could point me in the right direction perhaps? Sorry to trouble you.
If Arrow has not sent you validation, and the disputes come back from the CRA's verified, then they are in violation of FDCPA. You can try to explain that to the CRA's, but you also have proof that Arrow violated and can be held accountable by law. There are also letters here for CRA's that continue to report accounts which have not been validated by the CA's...I don't know the success rate. Cap One, though, is a creditor, right...not considered a debt collector? So they don't have to validate the debt. The time period you mention is the 30-days you (the consumer) have to dispute a debt when initially contacted by a CA. They don't have to respond in 30 days. However, when you dispute with the CRA, they MUST respond within 30 days either verifying the account information or deleting it.
question on this paragraph...does that mean, that they must respond to the CONSUMER after you have filed a dispute with the CRA? I ask because on two that I disputed one CA sent me a standard debt collection letter, I then sent them the standard validate letter...no response. However both Equifax and Experian did not delete that tradeline (Equifax said...checked/Experian said validated). so now it seems that since IIII didn't get validation from the CA they are violation, correct? This is when I should be sending a letter to the CRAs stating they are in violation but reporting unvalidated info???
Actually I have. I belive that I understand the validation process. I even went through the fool.com seminar psychdoc was a part of. The nature of my question was just if my period of validation and non response counts when presented to the CRA's for deletion. 3*That wasn't an aspect that I was able to find in searching the board. If you could point me in the right direction perhaps? 4*Sorry to trouble you. olivse ============ 3**The CRA has 30 days after notification to verify or correct the TL. 4*No problem! THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
