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Harvard Collection

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Established Member

Harvard Collection

I sent harvard collections a dispute requesting a DV letter on Jan 22. Sprint told me the debt was in 1999, however Harvard is reporting it 2003. They have not responded to my DV. I sent one to the CRA. Harvard collections has not resonded to my request, however they responded to the CRA request. They are asking me to send information to support my dispute. How should I respond to this. They are requesting that I send this information to their office by March 14.  Any advise.
Thanks
Message 1 of 15
14 REPLIES 14
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Moderator Emeritus

Re: Harvard Collection



gagirl wrote:
I sent harvard collections a dispute requesting a DV letter on Jan 22. Sprint told me the debt was in 1999, however Harvard is reporting it 2003. They have not responded to my DV. I sent one to the CRA. Harvard collections has not resonded to my request, however they responded to the CRA request. They are asking me to send information to support my dispute. How should I respond to this. They are requesting that I send this information to their office by March 14.  Any advise.
Thanks


Harvard or the CRA wants you to send information?
 
If Harvard, you don't have to send them anything, they have to send you something.
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Message 2 of 15
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Established Contributor

Re: Harvard Collection

Harvard baught a book of Sprint accounts and has been bombing people's CR's without any notice of any kind lately. This is a violation and I personally just had a lawyer draft an demand/ITS letter to them. They will not respond to a DV guaranteed because they are a JDB and they are falsley reaging accounts and doing this to A LOT of people in the hopes of extorting money from them. Keep at it and log each and every violation. How did they request info from you? Did they send a letter or just have the CRA ask for it in the dispute results? I personally didn't even get an f-you from them when I sent a DV.
09/28/07 EQ 498 EX 537 TU 477
12/27/07 EQ 526 EX 562 TU 541
02/26/08 EQ 526 EX 589 TU 579
11/09/08 EQ 562 EX 648 TU 578
Message 3 of 15
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Valued Contributor

Re: Harvard Collection

Yea this is what happened to my mom,  i would have DV'ed them but she has credit repair specialist working with her which is so lame now that i have found this place. They just placed this account for collections without notice or anything!
 
I want to DV them so bad whether it helps or not!
Rebuilding and Reducing Debt, is my game plan.
Message 4 of 15
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Valued Contributor

Re: Harvard Collection

By the way i have already DV'd them! So since they do not respond to DV's what should the next step be?
Rebuilding and Reducing Debt, is my game plan.
Message 5 of 15
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Valued Contributor

Re: Harvard Collection

So as you all know i DV'd Harvard Collections and i believe i used the Lonnster DV letter. Now my question is since i used that letter i believe a  part said all collection activities must cease until validated, not really sure i will have to look it over. Anyway Harvard Collection has updated as reporting this month 5/08 would that be considered a violation, if i stated in my letter cease collection activity until validated?
Rebuilding and Reducing Debt, is my game plan.
Message 6 of 15
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Moderator Emeritus

Re: Harvard Collection

dispute with all CRAs reporting as *not mine*  along with .....copy of the DV letter...cert.paper and GC.
 
 
Read & make changes where needed....send to CRAs by fax or CMRRR
 
Your Name
Address
City, State Zip
 
TU/EX/EQ
Address
City, State Zip

DATE
 
RE: Account #_________/Original Creditor’s Name
 
Dear CRA:
 
This is a request for deletion of a disputed item. I have attempted to have this allleged debt
verified by the alleged creditor and collection agency to no avail. I am respectfully requesting that
"Collection Agency" do what is legally mandated by the FCRA and FDCPA, and delete the account listing.
 
Name of Creditor/Agency, Account #_________
 
On XX XX 08, "Collection Agency" received a demand for validation from me. Attached is a copy of that letter along with the U.S. Post Office return receipt showing they did indeed receive the request.
 
 
As of today, XX XX 2008, they have failed to provide any proof or respond in any way.
On XX XX 08, I sent a second letter. Again, I have received no response. Attached is a copy of the
letter and the U.S. Post Office showing they did receive that letter.
 
The FDCPA states they must cease collection activity until they have produced verification of the
alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which
they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists
or they would have provided it in the previous X months since it was requested.
 
Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the
item as in dispute. Again, this was not done. Another violation of the FDCPA. (DELETE THIS PARAGRAPH IF IT DOES NOT APPLY!!)
 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus.
The FCRA also states that the credit reporting agencies must accept written proof from the debtor.
Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted
in its entirety as there is no proof of its existence as evidenced by my attached documented proof.
Sincerely,

Your Name
 
Message 7 of 15
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Valued Contributor

Re: Harvard Collection

Thanks Happydays, but it hasnt been 30 days yet, i am supposed to wait the full 30 days right?
 
 
Rebuilding and Reducing Debt, is my game plan.
Message 8 of 15
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Moderator Emeritus

Re: Harvard Collection

If the CA responds to your DV asking for info. NO  their 30 days are up IMO!
 
They have 30 days to respond......If within that time you receive a letter asking for info from you or saying that they are checking with the OC......I would take that as  they do not have validation!
Message 9 of 15
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Frequent Contributor

Re: Harvard Collection

HappyDays,
 
YOU ROCK!  Much love to you for this wonderful letter!  I was looking for something for my husband, but I will use this letter for myself.  I have a collection account on my credit report from Nationwide.  I can't get rid of it for nothing in the world.
 
This is awesome.
 
 
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Message 10 of 15
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