CA cant find, TU validates how?

[thotgal320]

So I been disputing and old account with the CA. After not 1 but 2 DV's and a demand to delete I get two letters of response today one from the CA and the other from TU. TU said it has been validated while the CA's response was can't find account so their gonna assume it was paid in full. So do I MOV TU and EX since they validated it and send a copy of the later I got from the CA and then sent a letter to the CA demanding since they cant find the account it must be removed I don't want it paid in full IT"S NOT MY ACCOUNT.

[Anonymous]

TUs computers simply talk to the Cas computer.  No human interaction found.  you can send a copy of the letter you receive to TU and ask that it be removed.

[thotgal320]

So then there no need to MOV the CRA. Do I also send a letter to CA demand for the deletion?

[Anonymous]

A CRA  can not validate!

If the CA sent you an answer by mail and it says that they do not have the info....copy your DV letter  their letter to you  and copy of GG and CERT paper  to all CRAs reporting

Your Name
Address
City, State Zip
 

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

[thotgal320]

Thanks HappyDays I will keep you posted since this has been ongoing since January.

[Anonymous]

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thotgal320 wrote:
So I been disputing and old account with the CA. After not 1 but 2 DV's and a demand to delete I get two letters of response today one from the CA and the other from TU. TU said it has been validated while the CA's response was can't find account so their gonna assume it was paid in full. So do I MOV TU and EX since they validated it and send a copy of the later I got from the CA and then sent a letter to the CA demanding since they cant find the account it must be removed I don't want it paid in full IT"S NOT MY ACCOUNT.

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As backwards as some of the ppl at the CRA are, don't be suprised if the account is updated to paid in full if you send a copy of that letter from the CA.