What is the next step? CA did not respond to Validation.

[Anonymous]

So should I send the second letter to the CRA and the CA? And also should I send them CMRRR, or should I only send it that way to the CA? I pulled reports again and they have never even reported that it was being disputed. Aren't they supposed to do that? Sorry to many question but want to make sure I do this right. I knew that they could not validate because I never had an account with Alltel in the first place. But we are hoping to apply for a mortgage in the very near future and I want this removed. And PS I did receive the green card back from the CA after I sent it, and it was signed by one of the CA's employees.

[Anonymous]

Your choice whether to send the 2nd DV or not.

I personally never have.

I just sent all my stuff, CMRRR, to the CRA .

[Anonymous]

So did you just send copies of everything with a letter stating that they never validated to the CRA? And I should sent it CMRRR to the CRA's? I will have to send it to all three because this CA is reporting to all three CRA.

[Anonymous]

The CA has 30 days (from date signed for) to answer the DV

You can send the 2nd letter    although I never did

I will give you the letter to send to the CRAs...along with copy of DV letter  GC and cert.paper.

They are sent by fax or CMRRR

Your Name
Address
City, State Zip

SS #
 

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]

thanks so much for all the help, did you have any luck with your letters to the CRA?