1) Some of the items I disputed with the CRA were not deleted from my CR--some items were obsolete or not mine. Looking at my documentation I did not dispute these items with OC. So, what is the next step???? When I validate with OC do I send dispute with each CRA or not????????????? Keeping in mind I have already disputed these items with the CRA and they remained on the CR. 2) The deadline is approaching for C/A responses to validation. What is the next step after the 30 days has passsed (Estoppel)???
Go ahead and send a modified validation letter to the OC's, be sure and send CRRR. They need to place the account as "in dispute" just like a CA is. If they do not, be sure and print out copies of your reports showing that they failed to follow the FCRA. If after 30 days they do nothing, send another request for validation (maybe even a modified estoppel, just be sure to take out any language that refers to the FDCPA) and also dispute with the CRA's at the same time, maybe you'll get lucky and OC won't respond to them, leading to a deletion. If you have already sent the estoppel letter, and still no response from the CA, go ahead and send and/or fax an intent to sue letter. It would be good if you can locate a fax number to someone higher up on the ladder than just a first line collection agent. Don't give them 30 days in your intent, in fact, do not even give them 15 days. Give anywhere between 3 and 10 days max. Also, if you have not already contacted the AG, BBB, Dept of Commerce, FTC, do so. Once the CA is contacted by one or more of these agenices, it may just give them the extra "push" to make you happy and delete the collection account.
