i have a CA tradeline from collect america it shows $0 balance they told me on the phone they have no record of me in their system. so I ask them to delete tradeline but they said "NO!" i got mad but i just hung up because i dont have a recorder. (no proof) i have never received a letter from them and never heard of them till i saw them on my CR. I disputed with CRA EQ deleted EX & TU verified i sent validation letter which they recieved 30 days ago do i send estopple letter to CA reporting $0 bal if so can any recommend a good sample? what should i do? thanks
Well, there's obviously a violation of FCRA (reporting inaccurate info to a CRA). I would send them something(CMRRR) Demanding deletion from your reports, intent to sue if not performed within 5 business days. While you're at it, include intent to notify BBB, FTC and Attorney General. (Hell, just file the complaints anyway - sounds like the CA has their head up their "gastrointestinal off-ramp" and they need a quick lesson in professionalism and ethics.) I would also dispute with the CRAs again, in the meantime - they obviously Didn't verify with the CA. Hopefully, you kept copies of the original reports.
