I have a few collection agencies that I have sent 2 validation letters to 30 days apart and then after the last 30 days, sent an estoppel letter. They have not even responded. So last week I faxed them an intent to sue letter and gave them until 8:00 AM today to remove the information from my credit reports or I would be filing suit. I used the letter someone posted here about how they violated FCRA and FDCPA. Today is here and from what I can tell these are all still on my reports. I have a lawsuit filed against Experian right now, filing on EQ today and received a fax (at home) from TU wanting me to contact them before taking legal action. Question is this: Do I use this as more ammo in my cases against CRA's showing the collection agencies have NO information on me or do I go ahead and file suit on them as well. I have also filed complaints with my AG and the AG of the state the collection agencies are in. I am basically fed up with the nonsense BS. I have filed a police report for my missing wallet. I also filed an identity theft report with the FTC. What should I do from here? Make the CRA's responsible and get deletions and maybe some money from them or go for the CA's too?
You can do both. they should've noted your accounts with the cras as being in dispute. they did not. that's a violation you definitely can use it as ammo with the cras. the subscribers have to have proof why they're putting derogs on your reports... and if you're just having a good day and feeling like having fun, of course you can sue the collection agencies. It'd be more violations if they send you another (non validation response) letter still trying to collect (or a phone call)... The hospital stuff I'd sue both the collection agency and the hospital. shame on both of them. You have actual damages you can use for the lawsuit and you know where to file
