JBoogieMan Posted June 7, 2004 Report Share Posted June 7, 2004 I'm so frustrated right now, I need some kind of advice PDI Management showed up on my TU, no others. I DV'd them on April 23. Initiated a dispute on May 23 after no response. Called to make sure I had the correct address and talked to a lady who said that the account had been sold to Pentagroup Financial. They haven't showed up on my CRs yet, so if I send a full C&D letter, they can't report on my CRs correct? Link to comment Share on other sites More sharing options...
ghacorp Posted June 7, 2004 Report Share Posted June 7, 2004 A C&D only stops collection activity if you're lucky. Reporting can be made to CR and there is no legal time limit on DV requests. The consumer can validate at any time as can the creditor. Link to comment Share on other sites More sharing options...
Swede Posted June 7, 2004 Report Share Posted June 7, 2004 They haven't showed up on my CRs yet, so if I send a full C&D letter, they can't report on my CRs correct?A C&D has NOTHING to do with credit reporting. It has to do with communication to you and you only. © CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Link to comment Share on other sites More sharing options...
DSmithKMA Posted June 8, 2004 Report Share Posted June 8, 2004 Since you have taken the pre-emptive action of disputing a debt, they must, if they do report it, report it "as disputed" to any CRA. FDCPA 807(eight) : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Link to comment Share on other sites More sharing options...
Swede Posted June 8, 2004 Report Share Posted June 8, 2004 Since you have taken the pre-emptive action of disputing a debt, they must, if they do report it, report it "as disputed" to any CRA. He doesn't believe this to be the case, we're arguing that point in another thread.....http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=16861&highlight=swede Link to comment Share on other sites More sharing options...
JBoogieMan Posted June 8, 2004 Author Report Share Posted June 8, 2004 Thanks for all the input, Swede, DSmith, everyone, I'm just trying to sort through the huge quantity of info on this subject out there. Is there any case law dealing with this? Link to comment Share on other sites More sharing options...
Swede Posted June 8, 2004 Report Share Posted June 8, 2004 Thanks for all the input, Swede, DSmith, everyone, I'm just trying to sort through the huge quantity of info on this subject out there. Is there any case law dealing with this?Check it, I posted more Link to comment Share on other sites More sharing options...
JBoogieMan Posted June 8, 2004 Author Report Share Posted June 8, 2004 Check it, I posted more Will do, you really are a "sweetie" Link to comment Share on other sites More sharing options...
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