Back on May 31 I did a dispute online with exp, well last it was pulled up a collection account was still listed as pending, WELL, today I received a colletion letter in the mail from this CA. Is this a violation. I had not sent Validation letters out yet to these places, I tried the online route first, and this is what I get. HMMMMMMM... help, what now? Leeann
so far this is the outcome of the dispute, total results due 6/30, â?¢ ANDERSON FIN NETWORK INC Account Number: 2004933...... Outcome: Pending â?¢ ANDERSON FIN NETWORK INC Account Number: 2005118...... Outcome: Pending â?¢ ATLANTA GAS LIGHT CO Account Number: 9255078822...... Outcome: Reviewed â?¢ ATTENTION LLC Account Number: 5102...... Outcome: Pending â?¢ ATTENTION LLC Account Number: 3854...... Outcome: Pending â?¢ ATTENTION LLC Account Number: 1786...... Outcome: Pending â?¢ ATTENTION LLC Account Number: 1786...... Outcome: Pending â?¢ CBCS Account Number: 23906...... Outcome: Remains â?¢ CBCS Account Number: 27677...... Outcome: Remains â?¢ CBE GROUP Account Number: 1572514600301...... Outcome: Pending â?¢ COLLECTION SVC OF ATHENS Account Number: 57685...... Outcome: Pending â?¢ CREDIT MANAGEMENT INC Account Number: 16755...... Outcome: Pending â?¢ HEALTHCARE FINANCIAL SVC Account Number: 1142...... Outcome: Pending â?¢ HEALTHCARE FINANCIAL SVC Account Number: 1504...... Outcome: Pending â?¢ NCO FINANCIAL Account Number: 6216...... Outcome: Deleted â?¢ PALISADE COLLECTIONS INC Account Number: 3953554...... Outcome: Pending â?¢ UNIQUE NATIONAL COLLECTI Account Number: 5177...... Outcome: Pending â?¢ PUBLIX EMPLOYEES FED C/U Account Number: 1001232640...... Outcome: Pending
You only disputed the accounts with the CRAs right? It's not a violation for the CA to continue to collect on the debt until you send a letter requesting validation actually to the CA (do it CRRR).
Re: Re: did this really just happen because at the time I was new to this and had not found THIS wonderful site yet. Now I have and am asking for help to fix it. Geesh, lbrown you seem like you have NEVER made a mistake in your life, I am sorry that I am bothering you with my questions.
Geesh, lbrown you seem like you have NEVER made a mistake in your life, leeanninfl ================== I think I just did by offering suggestions and getting kicked in the teeth for it in return. THE END ** *** ** LB 59
============= This is why I prefer starting with the CA first and leaving the oc out of the picture. Doing it backwards like you did complicates things and makes it more confusing. Then too you have less protection of law in dealing with an OC rather than a CA. Also you have alerted the OC to have the documents ready for the CA when they ask for them when you validate with the CA. Since you started with the OC you are going to have to dispute now with the CA also. Had you started with the CA chances are you would not have to dispute it with the OC also. Going with the OC first can also lessen your chances of catching the CA with violations.
I have not contacted the OC yet, the CRA dispute was with the CA, as is the letter that I recieved today. I have the validation letter ready for the mailbox. This account was closed out in 1999, before we moved from Georgia.
I have not contacted the OC yet, the CRA dispute was with the CA, as is the letter that I recieved today. I have the validation letter ready for the mailbox. This account was closed out in 1999, before we moved from Georgia.
Well, I have to say I think if the CA verifies and then you send a validation letter CRRR and they can't provide validation that will actually make your case stronger. Just make sure to dispute it with the CRA again as soon as you get the green card back.
dispute them all first, then go the letter route. those AFNI/Anderson ones will probably just fall off with a dispute the first time. you'd be surprised how often things just fall off with a simple 30 day dispute and never return.
Thank you all, I have sat here today and have all letters ready to go, crrr ready to go on the envelopes, will send them as soon as my dispute is over at this point with EQ, in case they do not fall off the first time around. Don't want to spend $4 mailing something that I don't really need to mail. IYKWIM LeeAnn Thanks again ya'll
