topic Re: DV Letters For Texas Resident For Both CA & OC in Rebuilding Your Credit

DV Letters For Texas Resident For Both CA & OC

Anonymous — Sat, 04 Oct 2008 19:05:15 GMT

i have read on here so many times that Texas residents have the law on their side when it comes to having a CA & OC getting back to them with you send them a DV letter.

does anybody have a sample letter for both the CA & the OC.....where it states that they have to verify within 30 days by law in Texas?

i have sent plenty of letters.....but they never get back to me & show proof..which they have to....right?

if i sent them a letter...by law they have to respond back to me or they are in violation here in Texas.....that is what i understand.....but they keep on blowing me off.

any good letters that state the law? I have sent about 3 DV letters.....all 3 CRA say they were validated....but I have yet to hear back from them directly. thoughts?

thanks again for the help!

Re: DV Letters For Texas Resident For Both CA & OC

llecs — Sat, 04 Oct 2008 21:03:29 GMT

I don't have a link handy, but I found it referenced well in here:

http://ficoforums.myfico.com/fico/board/message?board.id=rebuildingcredit&message.id=20772&query.id=213406#M20772

The 30-day DV rule only applies to CAs, not OCs.

If I read right, you sent the DVs to the CAs without any response? And then you disputed with the CRAs?

Re: DV Letters For Texas Resident For Both CA & OC

Anonymous — Sat, 04 Oct 2008 21:10:40 GMT

thanks for the info.....i saw that post too....there are several good posts out there for TX..i found 1 DV letter.....but did not know if there were others.

yes.....i dv the CA....but never heard anything back from them but noticed on EQ, EX & TU that they were saying "verified" after i sent the DV.

30 days does not apply to OC's in TX?

thanks

Re: DV Letters For Texas Resident For Both CA & OC

llecs — Sat, 04 Oct 2008 21:36:53 GMT

@Anonymous wrote:
thanks for the info.....i saw that post too....there are several good posts out there for TX..i found 1 DV letter.....but did not know if there were others.

yes.....i dv the CA....but never heard anything back from them but noticed on EQ, EX & TU that they were saying "verified" after i sent the DV.

30 days does not apply to OC's in TX?

thanks

It only applies to CAs. It references "third-party" collectors in the language of the law.

So the CA simply put "Verified" in the comments box inside the TL on your CR? Did you ever receive a letter back from the CA?

Re: DV Letters For Texas Resident For Both CA & OC

Anonymous — Sat, 04 Oct 2008 23:02:42 GMT

thanks for getting back to me!

with midland......all i ever received was a "we received you letter..please send supporting info to us showing this is not yours"......basically asking me to prove that it's not mine.....i never received anything that it was verified....but it says it is "verified" on my reports.

with the OC's i am disputing....there is one i did not receive any DV from...what are my options there?

Re: DV Letters For Texas Resident For Both CA & OC

llecs — Sat, 04 Oct 2008 23:37:15 GMT

@Anonymous wrote:
thanks for getting back to me!
with midland......all i ever received was a "we received you letter..please send supporting info to us showing this is not yours"......basically asking me to prove that it's not mine.....i never received anything that it was verified....but it says it is "verified" on my reports.

I personally would write a legal letter pointing out the FDCPA, TX law, and I'd point out that they failed to validate. Was your address on the DV letter? Maybe they didn't have a current address. Idea I guess. And yes, you don't have to respond to their "supporting info" request.

@Anonymous wrote:

with the OC's i am disputing....there is one i did not receive any DV from...what are my options there?

OCs don't have to respond to a DV request. If you disagree with the OC, and past SOL or you are willing to give it a shot, you could call or write them to ask for an accounting.

Re: DV Letters For Texas Resident For Both CA & OC

Anonymous — Sat, 04 Oct 2008 23:42:14 GMT

molly73 wrote:
thanks for getting back to me!
with midland......all i ever received was a "we received you letter..please send supporting info to us showing this is not yours"......basically asking me to prove that it's not mine.....i never received anything that it was verified....but it says it is "verified" on my reports.

with the OC's i am disputing....there is one i did not receive any DV from...what are my options there?

Copy the letter that the CA sent you asking for info. alone with a short letter

CRA

Your name

addy

On (date) I sent a certified letter (cert. #) to (Midland collection agency). This letter was asking for validation of this debt as It is not mine.

As of (date) (CA name) has not answered. I believe this is because it is not and has never been my debt.

Find attached the Validation letter along with the cert.paper and green card.

The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) states that the (CA name) has 30 days to send me validation of this debt or cease all collection active. Reporting is concidered collection active.

See attached letter from (CA name) stating that they do not have the info. needed to validate this debt.

This is not my debt! Please delete this account.

Thank You

type your name!

be sure to include: copy of the DV letter,copy of the cert.paper and the green card!!

This can be faxed or sent CMRRR

Re: DV Letters For Texas Resident For Both CA & OC

Anonymous — Sun, 05 Oct 2008 00:00:48 GMT

thanks guys for the help!

yeah....midland had my address cause they were nice enough to ask me to help them

in that letter should i mention that in TX they have to get back to me? What is that law? I have seen some long letters on here mentioning the state law.....do I need to write all of that.....or just keep it short and to the point?

"See attached letter from (CA name) stating that they do not have the info. needed to validate this debt." .....do i send the letter that midland sent me asking for any documentation to show that it's not mine? The letter they sent me....does that tell you anything...like maybe they don't have anything to show it's mine?

thanks again!

Re: DV Letters For Texas Resident For Both CA & OC

cw81 — Sun, 05 Oct 2008 01:24:52 GMT

The law you are looking for is TFC 392 it does have a lot of teeth and if they don't comply you can get more damages like triple I believe. If you google it you can read it in entirety.