When something comes back "verified" from the CRA's, can you use validation letters with the original creditor?
I think Lizardking said to send to original creditor or collection agency and if they don't respond from there, send a copy of the letter and return receipt to the CRAs and demand for the item to be removed.
I think I remember you could only send those to collection agencies. If that is true, what can I send to the original creditor? or is the burden of proof on me?
N'awlins, go to search engine at bottom of screen and put in straight talk and then go over and put in validation and you will find what you are looking for.
WAIT!!! What if you get a letter back from the original creditor stating that they no longer hold that loan, it has been sold to.... and they can't help you with the information you are requesting. Then how should you go about a dispute with the bureau? Do you say, they are unable to verify the account please delete? I know this won't work with Equifax, I tried. Should I try calling in a dispute with Equifax and tell them the dates are wrong and read them the letter? I need to know what to do after I receive a letter. Thanks
