Some drama concerning a collections acct for a 5 year old eviction. I sent validation request to CA signed for on 2/10 By 2/14 I recieved a valdidation attempt that included a signed copy of the contract(with my sig) and an itemized amount owed with my bro's name on it(Im not on it anywhere). 2/27 I recieved a letter "this an attempt to collect on a debt" it also had some language indicating they "may" send the account back to the OC as to proceed with a lawsuit 3/6 called CA said "Uhh Sir, I dont owe you anything you havent proved this acct mine" Pissed off OC admits "that was all I had in my file" I say "You did not contact the OC directly?" CA says "I dont have to" I say "ok" 3/7 I send letter offering settlement for FCRA and FDCPA violations asking for deletion 3/13 no reply I send a similar letter but this time "ATTN LEGAL DEPT" 3/13 they fax reply saying balance has been corrected to $1500 from $5800.. they sent a copy of info from the OC dated 3/7 explaining this..however the name on the $1500 is still my bro's 3/13 opened mail found a letter from equifax stating that this particular account was verified by CA for the $5800 amount 3/13 sent other letter giving 3 days to correct or be sued LOL This guy screwed up! Attempting to collect on a debt while not validationg (them changing the $$ amount afterwards proves they could not have validated) did not mark account as in dispute Then after getting a fax from the OC on 3/6 with a $1500 they report to equifax on 3/10 the $5800 balance.. WTF? Yet in his reply he says if I sue they will counter for "malicous prosecution"... Tell me how do i claim Actual damages..I believe there is 1 year SOL for damages from this neg mark..So I can go back a year from 2/10 and try to recover damges??? BTW they recieved the correction from OC on 3/7 as of yesterday 3/13 they had not corrected the amount owed...do they have a certain timeframe in which to correct info that they feel is incorrect..(For some reason 5 days is sticking out in my mind)
