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Starting Score: 702
sidewinder wrote:
Justn wrote:
Would calling the CA be futile?IMO, no point in calling the CA and I would not advise calling the CA.I would send them a DV letter and speak with the apartment complex.
Can I send a DV to a PO Box? Thats the only address I have for them. No address or name for the CA is showing on my CR from TC.
I got the idea from one of the DV letters on the forum. It says:
"If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter."
Maybe I don't understand or maybe the letter is wrong, but It just doesn't seem fair to me that a CA could put an CO anyones credit report they want to. It just doesn't seem fair to me.
"If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA (Fair Credit Reporting Act), and carries a $2500 fine to be paid to me. I have two years to decide if I want to pursue this matter."
Maybe I don't understand or maybe the letter is wrong, but It just doesn't seem fair to me that a CA could put an CO anyones credit report they want to. It just doesn't seem fair to me.
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