rcvd comp. validation, can I C&D

[Anonymous]

O.K. Heres my situation. Disputed an account from 1998, old one I thought would be easy. Recieved complete validation, including signed contract, photo I.D., payment history...everything.

The account was originally on my EX report.

Got my greencard back, then disputed through EX. Recieved my validation before they verified through the CRA.

Heres how the account showed AFTER they verified through EX:

O.K. Bump for results...need opinions. Pulled up Experian tonight...investigation completed. Verified, no change.

But, this account is not listed as "In dispute". Copied from EX:

Nasty CA who Validated

123 IGOTYOU AVE

Account Number:

XXXXXXX

Original Creditor:

Storage Company

Status:

Collection account. $309 past due as of 11-1998.

Status Details:

This account is scheduled to continue on record until 9-2005.

This item was verified on 5-2003 and remained unchanged.

Date Opened:

09/1998

Type:

Installment

Reported Since:

09/1998

Terms:

1 Months

Date of Status:

09/1998

Monthly Payment:

$0

Last Reported:

11/1998

Responsibility:

Individual

Credit Limit/Original Amount:

$309

High Balance:

NA

Recent Balance:

$309 as of 11/1998

Recent Payment:

$0

Account History:

Collection as of 11-1998, 9-1998

O.K. Here's what I'm thinking of doing. Need your opinions. Since they did not note that the account was "In Dispute By Consumer", is that a violation even though they provided me complete validation? Shouldn't they still note the account in dispute, regardless?

If so, I wouldn't mind sending a C&D to them. If they sue...IF....I could use that one violation to my defense. I know it's weak, but could it work?

[BrassFan]

<blockquote>Originally posted by cardtrix

O.K. Here's what I'm thinking of doing. Need your opinions. Since they did not note that the account was "In Dispute By Consumer", is that a violation even though they provided me complete validation? Shouldn't they still note the account in dispute, regardless?