rockyaz Posted November 13, 2002 Report Share Posted November 13, 2002 I have gone through all of the debt validation process with a collection agency on my credit file. No response from three letters sent. I sent all letters, certified mail receipts with signature cards, etc. to Experian and they continue to say "verified". Is anyone having a credit reporting agency deleting entries on this arguement. I am not having any luck and don't want to contiue paying for the certified mailings if the credit bureaus don't see this a valid way of verifying a debt.Anyone that would like to share their experiences, please let me know.Thanks Link to comment Share on other sites More sharing options...
k12503 Posted November 13, 2002 Report Share Posted November 13, 2002 As far as my experience goes, neither of the three bureaus will remove listings even if you show them your CRRR letters showing you have received no validaion from CA. Your next best bet is small claims . Sue the CA who is reporting on your credit report without validation. Link to comment Share on other sites More sharing options...
smogtek Posted November 14, 2002 Report Share Posted November 14, 2002 Have you tried the BBB? You can do it online and it worked for me on a difficult CA.If that doesn't work, serve 'em with a lawsuit! Maybe that will get their attention. Link to comment Share on other sites More sharing options...
rockyaz Posted November 14, 2002 Author Report Share Posted November 14, 2002 When you posted your complaint with BBB, did the collection agency validate or delete? Have you ever had a collection agency served for small claims? A friend of mine did that and when they went to court the judge asked, "Do you think the debt is yours" she replied, "I don't know". The collection agency at that time (even though she proved she asked for validation of the debt) proved the debt was hers to the judge and he granted a judgement in favor of the defendent. She didn't have the money to pay and they garnished her wages. So, the collection agency was laughing at her all the way to the bank. Now she has a garnishment and a judgement on her credit. That's why it makes me nervous to sue someone. I don't have the money to pay if it comes to a decision for the collection agency. Link to comment Share on other sites More sharing options...
smogtek Posted November 15, 2002 Report Share Posted November 15, 2002 I got 4 collection accounts deleted as a result of online complaints I filed with the BBB.I had already sent 2 validation requests to all of them before I got the BBB involved.I'm scheduled in small claims next month against a CA that pulled my report during the validation process. [Edit by smogtek on Thursday, 14, 2002 @ 07:09 PM] Link to comment Share on other sites More sharing options...
Anonymous Posted November 17, 2002 Report Share Posted November 17, 2002 experian is my only headache in this whole process. good luck Link to comment Share on other sites More sharing options...
jconn40 Posted November 20, 2002 Report Share Posted November 20, 2002 <blockquote>Originally posted by rockyazWhen you posted your complaint with BBB, did the collection agency validate or delete? Have you ever had a collection agency served for small claims? A friend of mine did that and when they went to court the judge asked, "Do you think the debt is yours" she replied, "I don't know". The collection agency at that time (even though she proved she asked for validation of the debt) proved the debt was hers to the judge and he granted a judgement in favor of the defendent. She didn't have the money to pay and they garnished her wages. So, the collection agency was laughing at her all the way to the bank. Now she has a garnishment and a judgement on her credit. That's why it makes me nervous to sue someone. I don't have the money to pay if it comes to a decision for the collection agency.</blockquote>The lesson here would be to be prepared to defend yourself in court that the debt is not yours, or that the CA has no right to collect, or has violated the FDCPA somehow. I went to court the other day with 5 possible ways of defending my case because I didn't know which way the CA was going to go. Link to comment Share on other sites More sharing options...
troopavcl Posted November 20, 2002 Report Share Posted November 20, 2002 <blockquote>Originally posted by smogtekI got 4 collection accounts deleted as a result of online complaints I filed with the BBB.I had already sent 2 validation requests to all of them before I got the BBB involved.I'm scheduled in small claims next month against a CA that pulled my report during the validation process. I had a CA pull my report during the validation process as well. Is this a 1000 violation?[Edit by smogtek on Thursday, 14, 2002 @ 07:09 PM]</blockquote> Link to comment Share on other sites More sharing options...
creditfix Posted November 20, 2002 Report Share Posted November 20, 2002 <blockquote>Originally posted by rockyazI have gone through all of the debt validation process with a collection agency on my credit file. No response from three letters sent. I sent all letters, certified mail receipts with signature cards, etc. to Experian and they continue to say "verified". Is anyone having a credit reporting agency deleting entries on this arguement. I am not having any luck and don't want to contiue paying for the certified mailings if the credit bureaus don't see this a valid way of verifying a debt.Anyone that would like to share their experiences, please let me know.Thanks </blockquote>Experian removed one for me when I sent copies of the letter along with the certified mail receipts. I sent the exact same info to the other 2 and they sent it back as being verified. Link to comment Share on other sites More sharing options...
Anonymous Posted November 21, 2002 Report Share Posted November 21, 2002 Guess the moon and stars have to be in the right position...lol Link to comment Share on other sites More sharing options...
candyman826 Posted March 16, 2003 Report Share Posted March 16, 2003 i guess if you dont dot your I's and cross your T's, you can really shoot yourself in the foot Link to comment Share on other sites More sharing options...
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