Gotcha, so essentially once the CAs get your DV letter, they have to let the CRAs know that it's currently being disputed, correct? What if the CAs just never respond to you DV? Also, are we talking 5 days or 5 "business" days? Thanks!
That's correct. Then they need to stop reporting. Reporting the debt is collection activity. 5 days is enough IMO, but waiting an extra 2 isn't going to prolong the inevitable either. Reality is they can have it done in 24 hours.
So I gave all of the 3 CAs that I sent DVs to a week after I received the green card... went in and checked this morning and NONE of them had marked the items disputed on any of the CRAs. I went in and marked them disputed manually. Hoping 1 of them just wont validate!
You printed them first though, right? Showing the date of report (a subsequent date from the date CA received DVL) and it not being placed as In Dispute?
Yes, but it may be too late. The idea was to have proof that the CA received your request for DV and failed to mark the account as in dispute per section 623 (a)(3) of the FCRA. If they didn't do this, they're violating the FCRA.
Oh darn! Well I hope I didn't shoot myself in the foot. I'll report back once I hear something from CAs in regards to validation. Trial by error here... Trying to learn as I go.
It's okay, it's a not a kill-all . It's just one more violation you could have them on. Nothing wrong with a bluff when/if the time comes. They still have to respond to the dispute via the CRA. They have 30 days. If they verify and don't validate, that's a no-no. Hopefully they either won't respond, or delete.
Okay I feel better now, thanks mindcrime! I do save the reports that I get every morning from the credit monitoring service, and it wasn't disputed on that, so maybe that would suffice if need be.
So I remembered that the other day when I went to the CRAs to dispute these things, TUs online dispute was down. Since we are from Georgia, we get 3 free reports a year! (just realized this today). I went on to TU and got his free report and guess what... NONE of the 3 people I sent DV to had marked it as disputed and I actually printed it out this time! They all confirmed receipt of their DV letters about 10 days ago. What should I do now? Wait 30 days to see if they DV and then bag them with a FCRA violation and hope they delete? Also was thinking of trying the HIPAA process that mindcrime started a new thread about, but if I already have them on this violation not sure if it's worth the hassle.
There's no set in stone timeframe. (The 30 days referenced in section 611 is for the CRA's), so 30 is plenty of time to have given the CA to provide notice of dispute. Each bureau would count as a violation I believe. So....3 CRA's, no notice to any, would be 3 violations of 623 (a)(3) If your ultimate goal is deletion and you accomplish that without the HIPPA violation, then yes, I'd forego the extra legwork involved...unless you like watching them squirm
Not to hijack this thread, but a related/similar question: With CA's reporting medical-related collections, is it best to DVL the CA or the CRA's or both?
