01-30-2009 06:48 AM
in the complaints to the AGs, BBB and FTC, you state you tried to obtain validation per FDCPA 809 and the CAs have not responded but continued collection activity past the 30 days window.
in the ITS, basically the same, you notify them of violation of the FDCPA 809 and give them one week to stop collection activity - after that date you will consider them in willfull violation, demand $1,000 statutory file per violation, and file suit without further notice.
02-06-2009 06:35 AM
02-06-2009 07:02 AM
02-07-2009 09:05 AM
02-07-2009 07:43 PM
I think the CA has correctly stated the law. There is not period under the FDCPA for a CA to respond to a DV letter. They must only desist collection activity until such time as they choose to validate.
If you seek action regarding your credit report, the path to take is not a DV letter, but rather a dispute under section 611(a) of the FCRA, provided you dispute all or a portion of the debt.
02-20-2009 07:10 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.