I have a few collection accounts which I demanded validation from the CA for. I never got it so then I sent a letter stating that if they did not remove this from my credit report since they verified with the CRA, I would sue them. It seems that they turned it back over to the OC and the OC's name is listed on the credit report now instead of them, but with the same account #'s. Anyway, where should I go from here? What do I do? Deal with the OC or is the CA still under some sort of obligation even though they handed it back over? Also, I still want to sue them for the violation. Is that possible?
Giving it back to the oc did not absolve the CA of the violation so you could still sue. You also have the OC on a $1000.oo violation for attempting to collect with out first validating the debt because listing it on your report is an attempt to collect. There is a recent thread about CAs hand me down debts where this was discussed in some detail.
"Giving it back to the oc did not absolve the CA of the violation so you could still sue. You also have the OC on a $1000.oo violation for attempting to collect with out first validating the debt because listing it on your report is an attempt to collect" So, do you think the judge will agree with the fact that they still owe me for the violations? Also, please explain the second part of your statement. If I am correct, when I asked for validation that should have freezed the debt until validation was provided (according to that other thread). Is that correct?
