I have a charge-off with Fleet Bank. Over the last several months I have disputed on line with Experian and it has always come back verified. Now I get the "this item has been verified and will not be reinvestigated..." statement. The charge-off reports under Fleet. A collector sent me a collection letter in August. I have sent out a validation letter and an estoeppel letter to the CA and, to date, have not received any response. So, in December I sent copies of all correspondence and CRRR cards to proof receipt to the Experian. The item was "under reinvestigation" and came back verified!! What do I do now? The CA never reported it. Is that why Experian can just contact the original creditor and verify, not validate?? I did the same process with TransUnion and the charge-off was deleted. Letters to Equifax were sent out just last week. Any advice/insight is appreciated.
and with that validation, you could advise them that it is possible for them to be liable for violations of the FDCPA committed by a collector acting on their behalf. Demand validation. If a collector doesn't validate, they must cease collecting. As long as they don't report it or try to collect it before validating, they are not breaking any law. They may have just chosen not to do anything with it. Which means you will have to go after Fleet. I had a bank charge off reported by the bank, deleted 2 weeks ago. I simply sent them a sorry story email of why this happened. total b.s. they sent me a couple of emails back saying they couldn't do anything. I sent 1 more back saying, I thought that being a real bank with real people, that you might have a little compassion for someone who had serious problems occur and is trying to get things straight. blah blah blah, they deleted it.
