instead of dragging old thread up, figured I'd start fresh I sent a validation letter to a CA. I never got a response. It has been 30 days of of this weekend Should I send the standard estoppel at this time? I believe they've violated the FCRA in a few ways: 1. didnt note that the account was in dispute by consumer on the credit reports. 2. they verified the debt and raised the amount owed on both TU and EQ on 09/01/2002 3. they didnt respond to me within 30 days (not sure if this is a violation) would like some opinions on my next step..im anxious.
by the way, this debt is older than 7 years. they are reporting the dates wrong (1997, when it should be 1995). I always forget to mention that part.
yes that was the original dispute, both TU and EQ came back as verified with the amounts of the debt raised by a few hundred dollars. the tradeline is not on my experian report. I submitted the disputes when I sent off the validation letter
hehe because that is me as well ;p the CRA laughs at me when I tell them about the debt being older than 7 years. Hell, they even argue it. I put the EQ one back in dispute because I got so pissed the day they up'd the amount. told them there is no way it could be accurate, so they better re-investigate to get the dates. ya, im sure they'll start calling it frivilous, but it truly is inaccurate ! arg. should I send the estoppel? or give them 1 last chance to validate?
They have had a chance to validate, why give them another? If they re-aged the debt and I could prove it, i wouldn't have sent a validation letter in the first place. Send them an intent to sue letter, and if the don't delete, follow up and sue them. Gib
