There were a few accounts on my husband's reports in collections that I sent DV letters to. They received them, but never responded. About a week after them receiving the DV letter, they still hadn't marked as disputed with the CRAs so I did that through a dispute. (I have a print out after the fact of his credit report with them still reporting-- before I disputed it). I disputed the accounts will all 3 CRAs, it has since fallen off of TU and EX but not EQ. EQs investigation is still going, but the other two deleted the items super fast. I'm getting paranoid that EQ won't delete! I have been checking his reports every day and nothing has fallen off EQ yet. Do they not update until the investigation is over? The other two updated before they sent him an email saying his dispute was finished. His EQ is about 75 points lower than his other two scores at the moment and I'm sure it's because of these bad accounts. I'm being so impatient but it seems weird. The other two deleted so quickly... Does EQ just take a super long time, or are they difficult to delete with? Thanks
The age of the accounts may have had something to do with them deleting quickly. I've had the same luck with TU. I haven't worked on EQ as much since this region uses that CB less often than the other two, and it's unlikely that the CA responded to TU and EX and not EQ....I'd wait out the 30 days and see how it pans out. Worst (best?) case, you have a CA violating both the FDCPA and FCRA.
(1) the can't MANUALLY send the dispute notation to the CRA, or else they would be violating for CONTINUED COLLECTION ACTIVITY. It's only a violation for not reporting the notice of dispute, if the trade line was UPDATED following the receipt of the validation letter. (This is the same reason why a CA can't respond to a CRA verification request if they have received a validation letter.) (2) If EQ doesn't delete, and they received the verification letter, after the CA received the validation letter, then you have to send an ITS to the CA for violating the FDCPA for continued collection activity.
Thanks Mindcrime and Jam! I am getting so impatient, I need to find another hobby to keep me occupied because everything with repairing my husband's credit is going SO slow! How long are the CAs not allowed to contact the CRAs for once you send a DV? None of them responded to my DV or marked at disputed, are they not allowed to continue collection activity? Also, pardon me for being naive, but what is an ITS? I'm assuming intent to sue...
They could choose never to respond. As long as they don't UPDATE the trade line after the DV, it's not collection activity; if they UPDATE the trade line and don't notate the dispute, then (if it's a CA) it would be a violation of the FDCPA for reporting false credit information, and FCRA (but it's an unactionable violation, unless you dispute the fact that it's not reporting as disputed through the CRA). Yep, Intent to Sue.
