I had sent a validation letter to a CA disputing an item and portion of the letter was highlited eith the following paragraph: "Furthermore be advised that the FDCPA does not put a time limit on the providing of th validation information, but it is the policy of "Dumb Ass CA" to provide this information to its customers as soon as "Dumb Ass CA" receives it from the original creditor." Ok - question Is it true that the CA is not required to respond within 30 days? How long do they have? I thought that OC's were the only ones not held to a time limit.
The CA does not have to respond with validation within the 30 day time limit....they only have to stop collections until they do validate. What you need to do is dispute with the CRA about 10 days after the CA signed for your validation letter. The CA doesn't have a 30 day time limit, but the CRA does! If the CRA can't verify within 30 days (they can't..since the debt hasn't been validated) they have to delete. By disputing with the CRA, you force the CA into a 30 day time frame. Good luck.
