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Hi All,
I have a CA Vance & Huffman LLC showing up on my report. I have not been contacted by them at all, no request for payment no dunning notice nothing at all.
They are only on Experian and the report monthly as a collection. I am trying to figure out the best way to approach this. I was going to send a DV to them and inform them that they are in violation of FDCPA 809(a) for not contacting me about the CRS reporting.
Should I just skip the DV and go straight to FTC,BBB or CFPB and file complaints against them for do both DV and file a complaint?
any suggestions would be greatly appreciated
Thanks
Is it a debt you recognize? Or is it either someone elses debt or potential ID theft? Different answers require going down different paths.
I do recognize it -- it is from a old Credit One Bank card that they sold and Credit One is reporting as sold
You can start with the DV but its not going to be timely and they may not respond, since you know its yours I would not take the adversarial stance that a DV may produce and go directly to the PFD offer with the CA.
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Q-amp-A-Examples-and-PFD-Success-Stories/...
http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/PFD-Example-Letter/td-p/4519
Adding: My statement of the DV not being timely would only apply if this has been on your reports for awhile and is not a new collection.
How old is the debt? If it's many years old, there's a good chance it's outside the statue of limitations (time-barred). That should be factored into one's decision on whether to contact an OC / CA, and how to go about it.
Just checked and the original card DOFD is 1/2010 so it is past the SOL. and it looks like this is the second company that is was sold to
So a collection agency can just put it on your credit report without ever contacting you?? I thought they were supposed to notify you first.
@Anonymous wrote:So a collection agency can just put it on your credit report without ever contacting you?? I thought they were supposed to notify you first.
They are required to send you a dunning notice within 5 days of the first contact. Since you have not received a dunning notice, I would believe that any DV by you would be timely.
They are supposed to notify you 'within 5 days of placing it on you reports'. However, if you have changed addresses in the intervening time, a notice may have been sent to an old address.
We have been at this address for 4 years and they did a SP on the report to get the correct address. I have to look at my reports and find the Has the SP so I can see exactly when they did it