Recourse if OC does not respond to Direct Dispute within 30 days?

[tomfromrictmame]

What is the recourse if the OC fails to respond within 30 days?  I have used this process more than several times successfully, and the OC has always responded.  However, I do have one now that is within several days of not meeting that requirement.

[guiness56]

Had you already disputed with the CRAs?  If so they may have shrugged it off as frivolous.

[tomfromrictmame]

Thank you Guinness.  Would they not be required to respond and claim it was frivolous?

Yes, they had been disputed with the CRA's and they came back validated. 

[RobertEG]

They are required to send notifiication by the end of their 30-day investigation period that they have dismissed the direct dispute as being frivolous or irrelevant.

[baller4life]

I am in the same situation with a creditor. The 30 day period has passed with no response. What's my next step?

[guiness56]

They are supposed to but I am seeing many times they don't.

You could file a complaint with the CFPB or sue them. 

[baller4life]

Who do I sue through? FTC or an attorney?

[guiness56]

You could hire an attorney or just file a claim yourself.

[baller4life]

So just file a claim with CFPB or FTC? Thx a lot for your help guiness56. Really need to get rid of this pesky creditor

[guiness56]

It will need to be the CFPB, the FTC no longer takes those complaints.