I received two letters in connection with the following issues that got me a little worked up: Issue 1. Several months ago, I sent a dispute to a CRA about an item on my CR. It came back verified so I requested a procedure of how they verified. They sent me a signed form they had received from the collection agency showing my name, address, SSN etc. I then sent a validation letter to the CA and waited for two months with no response. I fired off another, this time to the President of the CA. After another month I still got no response. I went ahead and sent this information to the 2 Bureau that were reporting. Now today, just two weeks after I sent my info, the local affiliate of one of the CRA (EQ) sent me a form letter. It stated that nothing will be changed and that I must contact the CA or that I supply them with new info (in form of a letter, I guess) from the CA. What am I to do if I cannot get a response from the CA? Sue the CRA? Issue 2. About a month and 1/2 ago, I received a demand for payment from a CA concerning an alleged debt from several years ago. It is not appearing in the credit report yet but the CA did pull a hard enquiry on EX. I sent a validation letter to the CA and disputed the inquiry as not permissible. EX removed the inquiry! The CA has chosen to ignore my validation letter and instead they sent another demand for payment (which I received today). I know they received my validation because I sent it CRRR and the green card came back to me signed. This is clearly a violation! Should I send another validation here?
Issue one: I would send the credit bureau an intent to file suit letter. The CA failed to validate your debt in the time allowed by law, you sent proof to the CRA and they refused to consider your proof. That is against the law. Issue 2:I would keep the new demand letter along with the envelope in came in and use it for leverage in validation letter #2. Now you have them they are clearly in violation for attempting to collect on the debt that is in dispute and you have bargaining power. I would use it as a battering ram if I were you. Demand that the tradeline be deleted permanently and immediately or you will file suit. If they do not take notice (I think they will) follow through in small claims court. This is what I would do, I am new so you may want to get a few other opinions.
Nah, send them a C&D letter, and demand that they remove the items from you report because they cannot prove the debt is yous. Threaten to sue them (you might have to).
Robin, Breeze; Thanks. The thing is they are not yet reporting. All they did before they sent me the first demand letter was pull a hard enquiry. Even though it was a collection inquiry I disputed it and it was removed. My goal is to prevent them from ever reporting and stop them from making any demands ever..unless they validate. They will not be able to validate, I know that. So I need a strongly worded C&D/2nd validation letter w/ some quotations showing that they are already in violation. Any one letter I can use?
