More Info... IC Systems, St Paul, MN (CA) just sent me a letter that reads " Our files indicate that your account is in dispute. Since we haven't had sufficient time to complete our investigation of your dispute we are Withdrawing the account. Once verification is received, we will forward a copy to you and resume Collection activity" Questions: Does this mean the CA or the CRA/ What letter do I send to them (CA, CRA)
Did you dispute the account with the CRAs? What it sounds like is that since the alleged OC hasn't responded, they are going to try to do an end-run around the 30 day limit, by voluntarily -deleting- the trade line; then when/if they obtain validation, send it out, and then RESUBMIT the trade lines to the CRAs again.
Since you sent a validation request, they are ceasing collection efforts until they can provide the requested validation. -Be careful of what you ask for, you may just get it -And in case you are wondering, THIS IS NOT a violation of FDCPA 809 for them to have sent that letter to the consumer during the validaiton period! LOL
Should my next letter to CRA include the letter from the CA. All CRAs have in the past 30 days said that they have verified the debt.
