No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
tell me lady scarlet, i sent a dv out last month got results from my cra dispute a couple of days ago. they delete from ex but not from tu is that possible. by the way i never received validation back from the ca.
Lady_Scarlet wrote:It can update with the different CRAs at different times - start spazzing if you haven't received validation by day 35 (they can send on day 30 and still be within code) - looks like you wil get a letter say we are attempting to get the paperwork and will cease collection activity until we can validate.
Company
Address 1
Address 2
City, State Zip
Date
RE: Account XXXXX-XXXX-XXXXX
Dear Sir/Madam:
I'm sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
As of ( DATE that THEY received your letter) You have refused to validate this debt.Therfore you are in violation of FDCPA.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.
I look forward to an uneventful resolution of this matter, as this debt was PAID in FULL (year)
I request that all contact with me be in writing, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation:
As you are already in violation, I expect all reference to this account be deleted from my credit report, as this entry and any update of such entry will be considered another violation.
Thank You,
TYPE YOUR NAME.....DO NOT SIGN