HSBC - Calvary Collection validation

[stargazer25]

I had some luck last month with credit one collections when I called to validate the debt and they had no history of me besides name and social. I called HSBC to do the same thing and they also have no record of me. I had them check my social and their recovery department. The DofD is in 2011 sometime. Super old. I was thinking of trying my luck with Calvary to DV and since they won't be able to they should delete? Thoughts? Opinions?

[Anonymous]

---

@stargazer25 wrote:

I had some luck last month with credit one collections when I called to validate the debt and they had no history of me besides name and social. I called HSBC to do the same thing and they also have no record of me. I had them check my social and their recovery department. The DofD is in 2011 sometime. Super old. I was thinking of trying my luck with Calvary to DV and since they won't be able to they should delete? Thoughts? Opinions?

---

Its worth a shot.

[RobertEG]

They may, upon review, choose to delete their reporting after receipt of a DV

However, they are not required to do so.  A DV is a debt collection practices matter, and does not require any response.

First, if more than 30 days has passed since they sent dunning notice, which is likely the case, then a DV can be ignored.

Second, even if the DV were timely, it would not impose any period for or requirment to respond with validation.

It would impose an cease colllectino bar, and provided they dont continue any active collectiion activities, they could choose to never respond.

In order to impose a required period for response, you would have to file a dispute under the FCRA, which would require that you identify some inaccuracy in their reporting, and provide some documentation to support your assertion that it is inaccurate.

Do you have a legitimate basis for a dispute of their reporting?