This is the situation: First knowledge that a debt was seeking to collect was by service of a summons. I offered a settlement to clear this up and prior to coming to this board. Then I requested validation of the debt. Validation requests were ignored, but recieved, got green cards back. In the meantime, the attorney collecting for the CA calls and offers me a settlement, but still no validation recieved. I disputed with the CRA in the meantime, to which first dispute says verified and updated off to the side on CE, but nothing has changed on my report. 2nd dispute comes back verified and updated again, but this time amount owed is much greater, but last reported date is the same as very first credit report pulled. I go to court for this debt and attorney collector shows what appears to be validation, but says could not send since I requested no communciation with them. I cannot find that in any validation requests I sent. I think they are jacking with me. Got court continued for another date, but what to do in the meantime? They continue to add interest on this account saying they can't settle for X amount now. My email is on, if you want to send me an email instead. Thanks.
Whatever, About all I can offer is if it appears to be validation to you, it'll probably look that way to the judge. On the other hand, you have right to an accurate accounting of the debt. I would send another letter to the lawyer formally demanding an explanation of every part of the bill. This may well be a time to settle.
From the FCRA: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (b) (2) Deadline. A person shall complete all investigations, reviews, and reports required under paragraph (1) regarding information provided by the person to a consumer reporting agency, before the expiration of the period under section 611(a)(1) [§ 1681i] within which the consumer reporting agency is required to complete actions required by that section regarding that information. This section explains the timeframe as referred to above: § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (a) Reinvestigations of disputed information. (1) Reinvestigation required. (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
