No response to Validation Letter sent to CA

Discussion in 'Credit Talk' started by greeneyez, Sep 25, 2016.

  1. greeneyez

    greeneyez Well-Known Member

    Hi again all. I'm working on my husband's credit. He is showing a 300.00 amount on his CR from Stellar Recovery, a CA.

    Note: Last year he paid a Credit Repair company to work on his credit (BIG Mistake/Waste of Money). So, I'm not sure what they exactly did or didn't do.

    What I do know is that this Stellar Recovery is showing, and sent letters. I sent out a letter demanding validation CMRRR, and have not received a response. Should I:

    1.) Dispute this to the CRAs, stating the information is inaccurate, and that the CA never validated the debt, and enclose copies of the letters with RRs?


    2.) Send a letter to the CA, again demanding validation, with a copy of the original letter w/ rr?

    3.) Both?

    From what I've read, there really isn't anything the CA HAS to do regardless of whether or not the validate, besides stopping collection activities. Basically, they could stop the activities, but the debt still would show on the I somewhat correct on this?

    Any advise would be appreciated. Please help me with my next plan of attack!
  2. jam237

    jam237 Well-Known Member

    Did they update the trade line since the dispute?

    If so, did they label the trade line as disputed?

    If they updated, and didn't mark it as disputed, then what I would do is send them a validation and an Intent To Sue, with a drafted suit attached.

    Hopefully their response will be a stellar deletion in a prompt manner. :)

    If they updated, and do not mark the trade line as disputed, it's the reporting of false credit information, including the fact that the account is disputed. :)

    Which is a $1,000 FDCPA violation.

    To make the violations multiply, by $100 - $1,000 per CRA; after they've received the validation/ITS, send the CRAs that it's reporting on a dispute of the trade line (Always use the 1-2 punch, it puts the 30 day FCRA time-table on the validation request, if the dispute was timely - or they are really good about covering their assets.) If they verify the trade line on the CRAs, without the dispute notation, it's an additional FCRA violation, and those multiply exponentially... unlike the FDCPA violations... ;)
  3. JoshuaHeckathorn

    JoshuaHeckathorn Administrator

    Hey Greeneyez- curious how you decided to move forward with Stellar Recovery? Did you take the jam approach this time? :)

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