No Dunning Letter But Entry On Credit File

[nyqutie]

Hey Everyone!

Quick question!  Are collections agencies required to send out a dunning letter or required to make some type of contact prior to becoming an entry on ones credit file?  

SIDE NOTE: I have never been contacted by either the original alleged OC or this collection agency I have no idea who these people are.

Any assistance is helpful and appreciated.

Thanks

[MarineVietVet]

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@nyqutie wrote:

Hey Everyone!

Quick question!  Are collections agencies required to send out a dunning letter or required to make some type of contact prior to becoming an entry on ones credit file?  

SIDE NOTE: I have never been contacted by either the original alleged OC or this collection agency I have no idea who these people are.

Any assistance is helpful and appreciated.

Thanks

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This is considered one of the ways of initial contact but once they put this one your report that starts the 5 day clock on sending that dunning letter.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[RobertEG]

+1    They would be in violation of FDCPA 809(a).

Additionally, you dont have to wait for a dunning letter to DV them.  If you have suffiicint contact information in your CR, I would DV them now.

If you also belive that the debt itself is not yours, that would additionally make their reporting of debt collection itself inaccurate, allowing you to dispute their reporting under the FCRA.

[nyqutie]

Thanks for the reply!  I did send them a DV letter no response at all.  Any advice on what I should do next?

Thanks Again!

[LIGHTNIN]

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@nyqutie wrote:

Thanks for the reply!  I did send them a DV letter no response at all.  Any advice on what I should do next?

Thanks Again!

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How long ago did you send the DV letter?    And did you send it CMRRR ?

[nyqutie]

I DV'd them back in December 2010 and I did send it CMRRR.

[MarineVietVet]

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@RobertEG wrote:

+1    They would be in violation of FDCPA 809(a).

Additionally, you dont have to wait for a dunning letter to DV them.  If you have suffiicint contact information in your CR, I would DV them now.

If you also belive that the debt itself is not yours, that would additionally make their reporting of debt collection itself inaccurate, allowing you to dispute their reporting under the FCRA.

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Good point and one I often forget to mention.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[MarineVietVet]

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@nyqutie wrote:

I DV'd them back in December 2010 and I did send it CMRRR.

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Unless you live in Texas they are under no time limit to answer but they must stop collection efforts.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".