I SENT A CERTIFIED LETTER TO EQUIFAX TO VALIDATE AND SHOW PROOF THAT THE ACCOUNT IS MINE. THEY CLAIM THEY DO NOT HAVE TO VALIDATE, ALL THEY DO IS SEND A LETTER AND SAY IS THIS HER DEBT AND ALL THE COLLECTION AGENCY HAS TO DO IS SAY YES OR NO. THE EQUIFAX LADY SAID THEY TAKE THE COLLECTION AGENCIES WORD AND DONT NEED ACTUAL PROOF!!!!!! SOMEONE PLEASE HELP IS THIS TRUE???
its somewhat true... The role of the CRA is to "verify" that the alleged debt is yours. The validation of debt has the be done with the CA itself.
I am no expert in this but I think equifax is right. They are not the ones you should send validation requests to. You should be sending the request for validation directly to the CA.
THE COLLECTION AGENCY REFUSES TO VALIDATE AS WELL THEY WILL NOT SEND ME A COPY OF THE SUPPOSED CONTRACT THAT WAS SIGNED
is your caps key broken?? LOL OK.. but seriously.. I would slow down and take a deep breath and read the FAQ slowly... did you send a letter to the CA or did you phone them?
i sent a certified validation letter to the ca and i called them today to check on the status and they basically said they will not reply to my letter
Hmmm .. Mayela, OK its hard to say but it seems you are trying to rush through this. It seems you are confused to what letter to send... also the golden rule is to never EVER talk to the CA... this is a SUPER great place to learn lots of things if you take your time to read the FAQ, read past postings by searching and asking questions.... Now... to put it in a nutshell CAs are required to validate a debt on yoru request so the CA is completely pulling your chain. If they don;t have proof then you won... but you have to again understand what you are doing to get your desired outcome..
i have been disputing this account since last year and they just keep telling me the collection agency is verifying that its mine. i dont know what else to do please help what is the next step?? they just told me they are gonna dispute again for the 6th time
i have also succesfully disputed and had 10 other negative accounts deleted this is the only one i am having problems with trust me i have had lots of patience with this account
If the CRA (Equifax) keeps verifying that the account is yours (and that is common) then go straight to the horse.. Send a validation letter (CRRR) to the Collection Agency. * at the same time dispute with the CRA (Equifax) if they will allow you to Once you send the validation letter to the CA wait for the green card to come back and from that date give them 30 days... if they don't reply to a 2nd validation request.. if they don;t reply send an estopple letter and make sure you DEMAND that they delete the inof from your credit report... now if they do respond make sure its proper validation.. if it isn't just ask what to do.. Its too long to explain...
