@Anonymous wrote:I sent a DV to Diversified Consultants for a collection showing on my husband's report from Sprint showing reporting as 2010. We haven't had a Sprint account since 2004 and we didn't leave behind a balance. They went over the 30 day validation period and we are in Texas....they never responded.
I sent another letter to them stating failure to validate is an admittance that the debt is not accurate. Continuing to report it on my credit is a violation of Texas Finance Code and for them to immediately delete. This was 2 weeks ago. I then also a letter to the credit bureaus regarding the fact that Diversified has failed to validate per our request.
Experian is the only one to come back so far and said that they have verified it belongs to my husband. How did they get validation when the CA wouldn't provide me validation?
What is my next step? I still haven't heard from Diversified Consultants and I don't think they are bonded in Texas. Aren't there some violations here of TFC?
Help -
If this is a debt from 2004 you have got violations of the FCRA & FDCPA, negative credit can only be reported for 7,5 years from the DoFD. The CRA just sends a 1 number code to the entity that reports they most likely just responded back with a code that indicates is valid in their system, CRA verification is really a joke. You can get on EX case with a MOV demand (method of verification & by whom), they will stall you and you will end up needing to threaten to file a CFPB complaint on them (EX). I would be filing with the TX AG as well immediately for failure of the DV. Good luck 
