I sent my 1st DV to Genesis Financial Solutions on 5/24...They responded by indicating that they would cease all collection activity since they realized that I filed BK, however they never validated the debt. So, I mailed a 2nd DV on 6/11.
I thought this meant that they would not report any longer since reporting to the CRAs is considered a collection activity. Not so...they were deleted from TU, but updated on EQ stating that the account was included in BK. WRONG. they were not included in the BK because I don't owe them nor the OC.
So, to date, if I'm correct, I've got them on several violations: reporting inaccurate & false info to the FCRA, continuing collection activity despite never validating the debt, failing to validate debt. Am I correct on these violations? Do they have more violations?
My next steps to get rid of this CA are:
a) Submit a 3rd DV request outlining the current violations with stronger language to validate or delete.
b) Submit a re-investigation request along with a stronger MOV to EQ indicating incorrect information provided by data furnisher after I receive the GC from CA.
Or, should I simply stick with the MOV to EQ and hope they delete?
Any advice is appreciated.
Thanks for your help.
