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@chatty383 wrote:
Wow. I filed a complaint with BBB against ERC and that is when they mailed out debt validation. Debt first deliquent early 2009 original creditor no longer on my credit report. Doesn't make sense for ERC to be there is this legal?
Debt validation does not "reset the clock". However please clarify from your initial post OP you did DV ERC or they sent you their initial dunning notice. If in fact you debt validated and came back validated I wouldn't dispute with CRA. Instead I would try to PFD. If debt is truly yours PFD is your best option. Search here on the forums for ERC PFD as I just did and came up with several success stories and their backdoor # to call see link below:
Hope this helps and best of luck. Let us know the outcome and keep us posted!
-B
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2009 debt? Sounds like zombie debt to me? How did they validate the debt if the DoFD was 2009?
If they have re-aged the account, they've already violated the FDCPA. You might want to consult with a consumer attorney.