love2golf wrote:Hi everyone,This is my situation. Had a paid charge off reported only by the OC (gas card).I sent a gw letter to the OC. Their response was that they could not find my acct, please send more info. I sent them the acct number listed on my CR in my gw letter. So since they could not find my acct I disputed with CRA. The OC verified the debt. I sent the OC letter to the OC. This is what the response was"We have reported to the CRA the above account is in dispute.We have reviewed your recent letter concerning the claim that the bank has an obligation under federal law to validate the debt within 30 days of your letter. We respectfully disagree with your interpretation of the applicable laws and thus decline to respond further to your inquiry.Sincerely"xxxxxSo what do I do now? They are obligated to respond aren't they??Thanks for your help!!
scramblingin2007 wrote:I think your next move would be to mov the cra. Happydays or sidewinder know more about this than me.. edited to add llecs too
Message Edited by scramblingin2007 on 05-19-2008 06:08 PM
Correct. Requirements for CAs under the Fair Credit Reporting Act do NOT apply to OCs.
If I read right, OP tried to send a DV to the OC which won't work. I'm uncertain as to whether an OC letter has to be responded to or not. I don't think any fed law applies here. If reporting incorrectly and it came back verified, then a MOV might work.