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dv response time in TEXAS


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Ok I am in Texas and know that Texas laws gives CA's 30 days to respond to dv's...in the case that a ca does not respond or attempts to validate outside of the 30 day window given by Texas law..Is it best to call them on it with "because it was not done in the 30 day window" delete info from credit report and take a hike..or send a second dv giving them 15 days???

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Compose your letter to clearly state the laws of Texas and the responsibilities of the CA. Include copies of your first letter and signature card. Tell them that since they failed to respond as required, their only option is to close, delete, and go eat Maggot Droppings. This should cause a rise within the office and get things moving. Reason being, you will give them 10 days from receipt of letter to comply with your demands. If not, you will not hesitate to do what is necessary, including naming them as a defendant in a civil suit, along with the filing of proper complaints to all governing agencies. If they don't go away, at least you have some edge to get a better settlement.

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If the agency placed the account on your credit report, and it did not respond to your dispute in 30 days, then you clearly have a cause of action for violation of Chapter 392 of the Texas Finance Code.

sorry for going off-topic here, but how many times can you dispute the accuracy using the tx law and still have them required to answer within 30 days? is it every time?

i dont see a limit, i dont see anything about a CA calling 'frivolous' it just says "Not later than the 30th day after the date a notice of inaccuracy is received, blah blah"

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You don't need to do it more than once. One failure is a violation of the statute. Again, pursuant to a change in the statute during the last legislative session, the account must have been reported to a credit bureau for the agency to have any obligation to respond. The law was that the agency had to respond irrespective of whether the account was reported to a credit bureau. It was an anti-consumer change that will certainly not help curb the identity theft problem.

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