01-29-2009 06:59 AM
01-29-2009 07:31 AM
01-29-2009 07:34 AM
They sent a dunning letter, I replied with a DV, and they sent a response stating if they were to continue to pursue the collection activity, they would have to validate first and cease efforts to collect until they sent validation.
01-29-2009 02:37 PM
01-29-2009 04:03 PM
i think you are on the right track to PFD the CA that validated.
For those who haven't, I would file complaints with the BBB, the AGs in both states, and the FTC for violation of FDCPA 809.
then I would send the CAs a letter CMRRR stating that continue reporting without providing a response to your DV letter will be considered a willful violation upon receipt of the letter itself.
wait a week from receipt, if they are still reporting and you received no validation, then send ITS letters CMRRR requesting removal of reporting and $1,000 statutory fines within 1 week of receipt.
wait a week + 5 days from receipt, if they are still reporting and you received no validation, then file suit in small claim.
01-29-2009 05:35 PM
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