I know this thread/post is all over the place. I am desperately trying to figure out what my next course of action should be. I spoke with my attorney this morning. He said if they keep the collection on my report after 2/2016 I can sue. But what happens until then? I said I want to sue now for violations and I want to force them to revise the date.
I am going to send a 623 direct dispute. Can I ...
- cc the FTC and CFPB on my letter?
- list the violations in my dispute? For example, failure to send a dunning letter, willfull non-compliance. I have a voice mail where the JDB says he has my dispute and if I don't call him back and pay, he will verify it.
- can I request a statement with a break down of fees? I know this is not usually requested in a dispute. They say I owe 2k, well, show me a statement.
My goal is to pressure the debt buyer to correct the DOFD. Then I will request early deletion/exclusion. Although I dispute the balance, I am adding that in the dispute so this won't be dismissed as frivolous.
ONE LAST THING. Can a JDB list the account as placed with collection agency/attorney? They are NOT an attorney.
What are your thoughts? Robert, I really want you to read my letter.
