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Community Leader
Epic Contributor
Posts: 26,705
Registered: ‎03-19-2007

Re: CA buys an account that's already been removed? Has anyone ever had this happen?

The CRAs are not a party to the DV process, and have no horse in that race.

DV requests and response are debt collection practices matters under the FDCPA.  Any issues related thereto are not FCRA issues to which the CRA has a part.


If you send a timely DV and the debt collector thereafter reports their collection to a CRA prior to providing debt verification, the issue is not one of accuracy of their reporting under the FCRA, but rather violation of their cease collection bar under the FDCPA.  The CRA will enter the reporting.  The CRAs dont make determinations of violation of a cease collection bar.


You could, for example, have a situation where the debt collector asserts that they have provided adequate verification, and their cease collection bar has thus been removed, and the consumer disagrees with the adequacy of the provided verification.  That is not an issue to be resolved by a CRA.

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