Okay still dealing with debt from Bank One on a repo that is now going through MRS Associates for collection. 1. Sent validation request to MRS on 05/15/03 2. Received back crrr with sig and date of 05/19/03 3. Requesting verification from all three CRA's on original debt today (05/29/03) 4. Check credit reports on 06/03/03 (they have five days right??) to verify account has been marked as "consumer disputes" status with CRAs 5. If no response by MRS by 06/15/03, sending estoppel letter to MRS 6. 06/30/03 send CRA demand to delete because of lack of adequate proof from alleged creditors, send MRS intent to sue in order to get tradeline and obligation to debt deleted (give 48 hour timeline) 7. 07/02/03 file in small claims against CRA for reporting incorrect information, and also against MRS for collecting on a debt that can't be validated Am I doing it right???? Thanks in advance for your help, if I get this one right, I can repeat the pattern for the rest of this battle. Thanks so much, Vixie
1-3 Check 4. No, nothing gives a time other than "reasonable" 5. Check 6-10 Based on what the CA does with CRA listing. 7. CA does not have to validate they can also choose to not collect from you. IMHO you won't be able to sue them if they cease continuing attempts to collect from you.
