I saw the other thread re: "7 year traffic ticket", but needed to get advice on a different situation. Like everyone else dealing with this, I received a Derog on my CR for an unpaid ticket that I never received, and for which the CA (PAM) didn't even notify me about prior to putting the Derog on the CR. I had already put in an online dispute at EX.
Well what should appear in my mail today but a collection letter from the CA. I know I probably should go ahead and do a DV, but should I wait for the results of the online dispute before proceeding?
Is it not illegal to Derog a CR prior to notifying someone of the debt? Can the CA be held liable for this?