1. I sent DV letter to CA (who has 4 accts listed on my CR.) 2. They replied to my emailed/faxed DV letter saying: "Here is the creditor info: (name, address, amount owed). That was it! No print outs, no nothing. Then when I disputed, they verified. So sue, or not?
There's no question they violated Demon. Whether or not you should sue at this point has a lot to do with what the balances are, and the likelyhood that if they really dug hard for it, could the OC properly validate. Also has the OC listed the TL on your reports along with the CA's? (You've been around long enough to know we need at least a few items of info to answer certain questions, silly)
Yeah, I know, I just wanted to see if I could get a good feel w/out putting in details. But here it is: Balance is $700 something. DOLA is sometime in 99 (which makes the SOL sometime this year). I sued this CA once, and they had to settle, so they might be a little more ready to go this time. If I do sue, I'm going on the basis that they only sent me an email w/ the info, and that the FTC says you have to send more, and the Spears case. It's a little shaky, but nonetheless, that's my platform. I sent another letter showing them this FTC letter and they ignored it (of course). I was going to dispute it again and see what happens, then if they verify...SOCK it to 'em! Thoughts?
