CA notifying CRA that account is disputed

[Anonymous]

My DV letter said:

This letter is being sent to you as you are reporting on my personal credit report. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act.

instead of

This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested

The part in red was left out. I don't know why, just realized it.

So, since I did not specifically say " your claim is disputed" are they still required to notify the CRA and would this show on my CR that I pull?

Message Edited by sidewinder on 02-28-2008 06:35 AM

[Anonymous]

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sidewinder wrote:

My DV letter said:

This letter is being sent to you as you are reporting on my personal credit report. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act.

instead of

This letter is being sent to you in response to a notice sent to me on DATE. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested

The part in red was left out. I don't know why, just realized it.

So, since I did not specifically say " your claim is disputed" are they still required to notify the CRA and would this show on my CR that I pull?

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this is how I started my dv:  Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested..... I omitted first sentence:This letter is being sent to you in response to a notice sent to me on DATE...

[Anonymous]

If you didn't axe the list then you are probably okay with the validation end - the 'dispute' statement is to CYA - without stating  that you dispute very clearly  there may be a wrongful assumption that you concur with the debt.  NEVER in any acorrespondence whether a PFD or a DV leave that out - it is more precautionary than anything else but needs to be there.

[Anonymous]

People say that a CA violates FCRA Section 623 if they do not tell the CRA that you are disputing the information, but from what I read:

(3) Duty to provide notice of dispute. If the completeness or accuracy of any information

furnished by any person to any consumer reporting agency is disputed to such

person by a consumer, the person may not furnish the information to any consumer

reporting agency without notice that such information is disputed by the consumer.

That makes it sound that they only have to notify that it is disputed IF they provide information AFTER you dispute it.

So, if they have already provided the information, then they don't have to notify them? Or they do?

Reason I am asking this is because none of the accounts that I DV'd are being listed as "disputed" on my CR and they have signed for the DV's, so they have them. But, none of them have updated anything or furnished more information.

[Anonymous]

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Lady_Scarlet wrote:

If you didn't axe the list then you are probably okay with the validation end - the 'dispute' statement is to CYA - without stating  that you dispute very clearly  there may be a wrongful assumption that you concur with the debt.  NEVER in any acorrespondence whether a PFD or a DV leave that out - it is more precautionary than anything else but needs to be there.

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Only on one of my letters did that part get left out, and I'm not sure how. I proof read them like a zillion times.

[Anonymous]

They are required within 5 days to notify the CRA of the dispute.  If they don't it is a violation (which is whay I say not to dispute with CRA wait to see if they notify).  There are different opinions on this.

[Anonymous]

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Lady_Scarlet wrote:

They are required within 5 days to notify the CRA of the dispute.  If they don't it is a violation (which is whay I say not to dispute with CRA wait to see if they notify).  There are different opinions on this.

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Well, my new reports(pulled at least 5 days after) doesn't mention the dispute.

Just printed new reports to show proof that they didn't notify within 5 days.