topic Re: No end to this saga! Please Advise in General Credit Topics

No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 03:45:12 GMT

Received a DV letter from Asset Acceptance with name of OC, no adress or phone #, claiming they have purchased the debt from OC, amount owed and acct # and DOLA 08/26/02. The CRA has deleted this account from my CR because the SSN is invalid and I disputed as NOT MINE. Off course they claim this is an attempt to collect a debt, but I have to respond in 30 days otherwise they claim I own this debt. Can they report to CRAs again?

What shoul I do next?

Re: No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 04:12:28 GMT

The DOLA is 08/26/02, there is a good chance the DOFD was before this- They can only report 7 years after DOFD.

They MUST notify you within 5 days to re-insert, The funisher must certify the data, the CRA must prevent re-insert.
FCRA § 611(5)(B) Requirements Relating to Reinsertion of Previously Deleted Material

(i) Certification of accuracy of information. If any information is deleted from a consumer's file pursuant to subparagraph

(A), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

(ii) Notice to consumer. If any information that has been deleted from a consumer's file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

(iii) Additional information. As part of, or in addition to, the notice under clause

(ii), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion

(I) a statement that the disputed information has been reinserted;

(II) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and

(III) a notice that the consumer has the right to add a statement to the consumer's file disputing the accuracy or completeness of the disputed information.

(C) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph (other than information that is reinserted in accordance with subparagraph (B)(i)).

Re: No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 04:27:25 GMT

what about reaponding to their DV letter. How do they prove they own the debt? Should I dispute based on the fact that it is not my SSN?

Thanks

Re: No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 04:37:20 GMT

I would send them a DV. (if out side of SOL or it really is not yours)

Use the Stadard DV on the forums. Do not give them any ammo(information) or call them, no need to dispute unless they try to reinsert.

sabra wrote:

what about reaponding to their DV letter. How do they prove they own the debt? Should I dispute based on the fact that it is not my SSN?

Thanks

Re: No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 04:46:26 GMT

Sorry! one more question!

They did send a DV letter, however, I don't know if the letter is complete.

Here is what they sent:

Name of OC - Original acct # - DOLA - and balance. They also claim they own the debt. How do they prove it? What should I state on the next DV letter, since you advise not to dispute, even though I can prove it is not my SSN to begin with.

Thanks for your reply

Re: No end to this saga! Please Advise

Anonymous — Sun, 23 Mar 2008 05:21:56 GMT

Where is Happy when I need her?

There is a Unacceptable DV letter- on here somewhere-

I would wait for someone to post it for you.

sabra wrote:

Sorry! one more question!

They did send a DV letter, however, I don't know if the letter is complete.

Here is what they sent:

Name of OC - Original acct # - DOLA - and balance. They also claim they own the debt. How do they prove it? What should I state on the next DV letter, since you advise not to dispute, even though I can prove it is not my SSN to begin with.

Thanks for your reply