I have a situation where the CA is verifying after they have sent partial validation. I have sited the Wollman letter and they will not send the info I requested. So what do I do now???
Send out the estoppel letter. Send proof of receipt from your prior letter(s). If they're reporting tell them you have proof they never placed account in dispute. Send FTC opinion letter CASS also. Link is below: http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm Also, be sure and outline every violation you have them on in your letter. Something I'll be attaching to my estoppel letters in the future will be this: http://www.ftc.gov/opa/2002/07/dccredserv.htm I think of it as merely a suggestion to the CA that they could be next if they're not careful. Finally, you said you've disputed through the CRA before. You may want to try one more time.
Actually, I have sent three validation requests: 1st-regular validation letter requesting docs 2nd-same as 1st + Wollman 3rd-same as first, but with complaint threats
Okay, then go for the intent to sue (final letter before litigation). Include everything I outlined above. If they still don't take the hint, you may have to scare them with a lawsuit. Good luck with this letter.
Please advise where or what is the (2nd-same as 1st + Wollman ) under simular situation already received the green card waiting for the 30 days to be up for CA. The CA has not put "Disputed" on any of the three reports confirmed today! By the way is that 3 violations? I will be preparing my next letter soon and I have already Disputed this over 3 times with each CRA's report always coming back "verified". Please advise. Thanks!!!
nugentk2, Its a validation letter that mentions the Wollman/FTC opinion letter. Here is where it was posted by charlieslex: http://consumers.creditnet.com/stra...tid=174268&highlight=wollman++dear#post174268
Love Please Assist Thank you for forwarding the link for the letter!! Can you offer assistance for the below??? "under simular situation sent validation letter, already received the green card waiting for the 30 days to be up for CA. The CA has not put "Disputed" on any of the three reports confirmed today! By the way is that 3 violations? I will be preparing my next letter soon and I have already Disputed this over 3 times with each CRA's report always coming back "verified". Please advise if possible. Many Thanks!!!"
Hmmm... nugentk2, I suggest posting the details of what has transpired so far, and then let others (pref the 'experts' of CN give advice). I am learning too.
Re: Hmmm... Well I have sent a validation letter to CBCS in April 2002, I have yet to get anything in dispute on any of the credit reports, Plus no verification. As for the the violations, 1) Continued collection activity would be you basis for filing when they couldn't verify the debt when you repeatedly asked for proof. 2) Continued collection activity since they didn't verify the debt during validation period and still verify the debt with the CRA. 3) Continued collection activity since they didn't place the account in dispute during validation period and never verify it with you and verified it with CRA. THis is your Base for you lawsuit it seems, or am I offbase?
Re: Hmmm... Please see my new post as suggested "CA Not Reporting Disputed..Pls Help" I have put further details if you can assist after reviewing that would be great. Thanks!!!
Re: Hmmm... I never updated... They backed off! Said that the validation docs were not avail (the OC is out of business). They will close the case and leave me the heck alone. They removed all their accounts off my reports as they said they would. Have not heard another peep.
