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Validation of debt

Discussion in 'Credit Talk' started by markman, Apr 14, 2002.

  1. Apr 14, 2002 #1
    markman

    markman Well-Known Member

    Hello,

    On March 12th I sent a validation letter to a CA. At the same time I disputed it with Equifax and Transunion. On April 1st I also sent a validation letter to the attorney representing the CA in my state and trying to collect.

    I have not received a response from any of them. On equifax it came back verfied. Transunion deleted it. It does not appear with a "consumer disputes" mark on equifax anymore since 10 days ago. How would you proceed?

    Thank you!
    Mark
     
  3. Apr 14, 2002 #2
    mindcrime2

    mindcrime2 Well-Known Member


    Next step would be sending the estoppel letter. In in be sure to outline the fact that they violated the FDCPA and FCRA by verifiing a debt with the CRA while in the validation process, and secondly by not placing a note on the account that it is in dispute by consumer.
     
  4. Apr 14, 2002 #3
    markman

    markman Well-Known Member

    Thank you for the reply. Do you think I should give them a few more days before sending them another letter (40-45 total)?

    I believe they have violated FDCPA and FCRA too but maybe they have sent something that I have not received? I just want to make sure I am covered since with these two violations I can sue them for $2000 which is about the amount they claim I owe.

    Thanks!
    Mark
     
  5. Apr 14, 2002 #4
    mindcrime2

    mindcrime2 Well-Known Member

    If you have not received something back from them by the 31st day from the date it was signed for (on the green card) then go ahead and send the estoppel. If they can't get their act together in 30 days, they won't ever get it together.
     
  6. Apr 19, 2002 #5
    markman

    markman Well-Known Member

    Update!: On the 31st day after receiving my first letter they marked the account as "Account Disputed", and they updated it again.

    Weren't they supposed to do this the day they received the dispute? I have printouts of my reports to show this.

    Since it has ben more than 30 days, they have not validated the account to me and they are still reporting it (even as DISPUTED), isn't it another violation. So:

    1. Continued collection efforts after receiving validation request
    2. Failed to update account as disputed for more than 30days after receiving dispute
    3. Validated account with CRAs (when I disputed it with them) without satisfying my validation request first.

    Am I right?

    Thank you!
    Mark
     

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