I'm puzzled on this one. After receiving dunning letter from CCA about 2 yrs ago, I sent a DV letter in response. I never received back any validation except that I got the green card as a proof that the letter got to them. I thought that was that until I started putting my credit in order this year which meant reviewing my report and score regularly. When I say the CCA on the report earlier this year I sent not mine to the CRAs. They all came back as verified. Then I sent reinvestigation request. But they all came back again as verified with one of them - I believe TU - claiming that my challenge was frivolous. How do I proceed now? CCA is now reporting this every month on my report thereby bringing my score down w/o regard to my DV letter. Here is the print out from this month's report COLLECTION COMPANY OF AMER Agency Address: 700 Longwater Dr Norwell, MA 020611624 (800) 886-9177 Date Reported: 10/2008 Date Assigned: 02/2006 Creditor Classification: Cable/Cellular Creditor Name: SPRINT PCS Account Number: 1xxXXXX Account Owner: Individual Account. Original Amount Owned: $86 Date of 1 st Delinquency: 02/2005 Balance Date: 10/2008 Balance Owned: $128 Last Payment Date: N/A Status Date: 10/2008 Status: D - Unpaid Comments: N/A Your thoughts and tips are appreciated.
