Please help me to understand this one. Lets say: 1)You request validation from a creditor and it is ignored 2)You send a second letter and it is ignored also 3)The account is then sent to a collection agency(during validation time) and you receive a bill from the collection agency 4)You send validation to the CA and it is ignored 5)During the validation time the account is verified several times by the credit bureaus 6)The account is not noted as disputed by consumer on the credit report Now what violations can the credit bureau be held responsible for (what do you sue them for)? Thanks!!
You would sue the CA not the CRA. Verifying a disputed account before validating is against the Fair Debt Collection Practices Act. The CRA isn't responsible for that (unless they said they verified when they really didn't, but that would come out in the wash).
The reason I ask is because I called the FTC and explained the situation. They told me that the creditor and the CRA are both in violation of the FCRA and can be held liable for willfull non-compliance and negligent non-compliance
Yeah, I called the FTC once too. And quoted what they said right here on creditnet. Found out later that they did not know any more than I did. I wonder if these FTC consumer counselors actually have any special training other than how to use the phone system, hehe. What did the CRA do? I don't see a violation by the CRA.
