I faxed EXP a letter because since May 2002, a CA has been listed as "in dispute". The letter said basically, "They have not provided validation and you should delete". Along with this letter, I faxed a copy of every letter I have written the CA and the CRRR that shows the letters were delivered. I get this letter today saying, "We are unable to verify because you didn't say why this is wrong". HELLO? Didn't you get the letter? It said exactly why it should be deleted. I am dismayed...and tired. I want this GONE but what else can I say to EXP? Anyone with any suggestions...they would be greatly appreciated.
Just tell them the account is not yours and to delete it within 30 days or you will file a lawsuit. Calmest_LA
I just faxed a letter to Experian myself today, regarding the this same situation. I sent over basically a procedure letter along with copies of the CRRR to the Ca's for validation, which I have not rec'd yet. Experian by the way keeps verifying even while in the validatin process. I did state in the letter how can they verify when it was not validated to me yet. I also told them that this was not a dipute. because I don't want to give them another 30 days to respond, I want answers on this now!! I think what helps when you fax over to the CRA's is having a file number. I noticed that when I reference a file number they seem to respond. They have not responded to my faxes when I don't reference a number. Are you referenceing any kind of file number ? kathy
sweetasas, I'm sorry I thinking they did'nt respond to you, misread your post. sorry about that. kathy
Calmest... That would be a wonderful thought, but I've disputed it already and the CA verified but they have not responded to any letters I have written with validation.
SweetnSas, It would be nice if it worked that way, but unfortunately it does not. You see, you can not force the CRA to delete because they claim they HAVE received the verification information from the CA. You need to have them PROVE that the CA sent the verification to the CRA...and then you need to nail the CA on the fact that they FAILED to provide YOU with the validation information required by the FDCPA. SO: You need to send a procedural request to the CRA in order to determine (and have proof for the court), WHO the CRA contacted at the CA, WHAT verification information that individual provided, WHEN they provided it, and WHAT number/address the CRA used to contact that individual. Then you need to send an Estoppel by silence letter to the CA saying that they failed to provide you with validation according to your rights provided you by the FDCPA. Because of their silence in the matter, and since they failed to validate, they MUST delete the listing within XXX days at which time you will be forced to serve them up a juicy lawsuit. -Peace, Dave
