Timeline: DLA is approx 8/2000 July 21 - get sickening sweet letter from CA July 22 - request validation from CA for Citi account July 25 - dispute with CRA Aug 1 - CA verifies with EQF, updates TL to 'in bankruptcy' Aug 4 - I dispute 'in bankruptcy' with EQF Aug 15 - letter from CA telling me they bought the debt. this letter has the paragragh about 30 days to dispute. (first letter did not) The CA has not validated this debt from my July request. Should I wait until 30 days are up to ask for validation or do it again now? EQF said they verified the BK statement, but I haven't received the letter yet. I haven't received anything from the other CRAs for the first dispute yet. Also - Is the update to 'in bankruptcy' and the second letter both count as continued collection efforts? (2 violations or one)
Did you file bk? Was this acct included in bk? If so, why aren't you having your atty deal with them?
No, we haven't filed BK (yet) and we are hoping to avoid it - but we probably will if any of our creditors gets a judgment. The CA just updated the TL to say it's in BK when I disputed it as not mine. A couple more screwups like that from them and I'm one step farther from BK. <g> Earlier today I was all set to fax them a second validation letter - or to send them the copy of their TL from my report that shows it marked in BK and ask why they were bugging me about it. <g> But now I'm thinking i'll wait for the CRA to send me the dispute resolution and decide what to do then.
I agree with Butch. Nip it in the bud. I don't know if you mind revealing, but who are the CAs? I've dealt with just about every buyer of Citi debt.
it's one CA - the bureaus the first letter said the client was the bureaus investment group, org. issuer was citi, leading me to believe they bought the debt. The second letter specifically says they bought the debt from citi and i must deal with them only. if they didn't actually own the debt for the first letter and bought it since i requested validation, does that void the first validation letter i sent? or since it's one CA, is my first validation request still in effect? i know I have them on one violation - reporting wrong information to the CRA. I might also have them on violations of the BK laws for false reporting, plus continued collection efforts and calling others about my debts. I'd like a few more for insurance before I threaten to sue. I'm debating whether to bring the violations up now and negoiate the debt or wait a bit and see if the CA does anything more as far as attempting collection or threatening to sue me.
BTW - they have been reporting it since last Nov and updating it monthly on the CR. They did a soft inq in Oct and a hard in Nov and began reporting it in feb or mar.
