hello, i have a situation. i sent validation letter to a collection agency and they have yet to answer. i sent a copy of the letter and the proof of delivery to the cra and they responded saying they have verified. who is violation here..the cra, the ca, or both?
The CA is in violation if they verified to the CRA without first sending you validation after receiving your timely validation requrest sent within 30 days of you receiving their initial letter to you. They may also be in violation if your letter indicated the account was disputed, and they did not report it to the CRA as disputed. Can you also show the information reported is "erroneous"? Can you show it is damaging? Have you been turned down for credit, or had other account rates raised, because of it?
Well... Was this the sequence of your actions? Sent validation letter; waited until the tracking # said that it was received. Sent CRA dispute letter. Waited for the CRA to verify the tradelines with the data furnishers. CRA verified that the tradelines were accurate, and that they were not disputed. Did you dispute the tradelines as something other than just "NOT MINE"? "NOT MINE" disputes are among the easiest to respond to, if the CRA even bothers to ask the CA to verify the information. If your dispute is of an actual factual error, or potential error, you are making a dispute which is harder to verify without some manual intervention...
