Disputing TL's

[Anonymous]

I saw on here where it says I need to send the DV letters to the CA, is this the same as the credit bureau. Who do I send DV letters to is what I am asking.

[MarineVietVet]

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@Anonymous wrote:

I saw on here where it says I need to send the DV letters to the CA, is this the same as the credit bureau. Who do I send DV letters to is what I am asking.

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The CA is the collection agency. You can only DV a CA. Never the OC (Original Creditor) or a CRA.

I know the acronyms used here can be confusing. Here is a list of Abbreviations.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[RobertEG]

DV letters are private letters between you and a debt collector regarding their debt collection practices and obligations.  They are covered under the Fair Debt Collection Practices Act, FDCPA 809(a) and (b).  Neither an OC nor a CRA has any place in the DV process.

The term "CA" is often used to loosely refer to a debt collector.  Technically, a CA is a collection account reporting done by a debt collector to a CRA, recording their collection activities.  "CRA" refers to a credit reporting agency.  Acronyms are frequently used loosely on here when discussing topics.