No response to DV, should I DV again?

[Anonymous]

I need some advise.

I DV'd Afni. Inc a month ago. Today the 30 days are up. So far, during the 30 days DV, they verfied 3 times to the CRA. Still have not received ANYTHING from AFNI. Not even a collection notice, absolutly NOTHING. I filed a complaint with the BBB IL. They forwarded my complaint to AFNI and AFNI has to respond by the 11th of June. Should I hit Afni with a second DV or should I wait for the results from BBB? Any advice is greatly appreciated.

[Anonymous]

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Guest1808 wrote:

I need some advise.

I DV'd Afni. Inc a month ago. Today the 30 days are up. So far, during the 30 days DV, they verfied 3 times to the CRA. Still have not received ANYTHING from AFNI. Not even a collection notice, absolutly NOTHING. I filed a complaint with the BBB IL. They forwarded my complaint to AFNI and AFNI has to respond by the 11th of June. Should I hit Afni with a second DV or should I wait for the results from BBB? Any advice is greatly appreciated.

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AFNI has been a PITA for many!!

Here's a link to a copy of a follow up letter you can send them that Lady Scarlet posted. It has some good info in that thread as well.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=81653&view=by_date_...

[Anonymous]

Thanks Stef37 I will send the follow up today.

I really dont have time for their games as I am deploying soon.

Message Edited by Guest1808 on 05-29-2008 08:26 AM

[Anonymous]

You can do any or both of these:

Send the 2nd DV  CMRRR

Send this letter to the CRAs by fax or CMRRR  along with copy of the DV letter, cert.paper and GC

     OR  you can do both

Read and make any corrections needed   this only goes to the CRA

Your Name
Address
City, State Zip
 

TU/EX/EQ
Address
City, State Zip

DATE

RE: Account #_________/Original Creditor’s Name

Dear CRA:

This is a request for deletion of a disputed item. I have attempted to have this allleged debt

verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that

"Collection Agency" do what is legally mandated by the FCRA and FDCPA, and delete the account listing.

Name of Creditor/Agency, Account #_________

On XX XX 08, "Collection Agency" received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request.

As of today, XX XX 2008, they have failed to provide any proof or respond in any way.

On XX XX 08, I sent a second letter. Again, I have received no response. Attached is a copy of the

letter and the U.S. Post Office showing they did receive that letter.

The FDCPA states they must cease collection activity until they have produced verification of the

alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which

they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists

or they would have provided it in the previous X months since it was requested.

Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the

item as in dispute. Again, this was not done. Another violation of the FDCPA. (DELETE THIS PARAGRAPH IF IT DOES NOT APPLY!!)

As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus.

The FCRA also states that the credit reporting agencies must accept written proof from the debtor.

Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted

in its entirety as there is no proof of its existence as evidenced by my attached documented proof.

Sincerely,

Your Name

[Anonymous]

Happydays,

Thanks this letter is good. I can definatly use it. Thank again. Yopu guys are great