I sent them a validation letter on Feb 3 and just checked my transunion credit report and found out they updated on 4/03. Is this legal? or does it fall under the fdcpa? what should i do? thanks oh, and btw, i have a collection that has shown up as updated on 3/03 (a utility that had gone unpaid)--i have paid it as of 12/02. what should i do about this? contact the oc directly or should i contact the cra? thanks again
I think you are confusing updating with date of last activity. Your date of last activity stays the same and the date to fall of stays the same. But the account can be updated at any time. I am struggling with Verizon too. They verify everything. It's frustrating.
