jkobz Posted October 18, 2004 Report Share Posted October 18, 2004 Greetings.Sent American Agencies DV lettter for a old phone bill that wasn't mine, never responed, so I sent ITS. They quickly sent back a itemized statement of the bill. I know for a fact this doesn't meet all the DV qualifications.What is the next step? Send them a letter telling them the documentation they sent is not correct so I will continue to file suit?Thanks. Link to comment Share on other sites More sharing options...
J_Snow Posted October 18, 2004 Report Share Posted October 18, 2004 What is the next step? Send them a letter telling them the documentation they sent is not correct so I will continue to file suit?Thanks.Yeppers. Quote the requirements for DV in your letter (FDCPA Sections) and the FTC opinion letters that support those requirements. Now-I would give them another chance to respond or delete the tradeline-say 30 days. You can sue them now, but if you end up having to sue them lateranyway-showing that you gave them as much time and information about the law (they should know anyway) will look good to the judge. I would do this if your main concern is to just get the tradeline removed. Also-have you disputed the item with the reporting CRAs? You should do that too. Link to comment Share on other sites More sharing options...
jkobz Posted October 18, 2004 Author Report Share Posted October 18, 2004 Thanks J_Snow, and yes I did dispute and it came back as validated from the CRA.I will send out a follow-up letter, since my main concern is just getting the TL deleted.Thanks Link to comment Share on other sites More sharing options...
J_Snow Posted October 19, 2004 Report Share Posted October 19, 2004 Thanks J_Snow, and yes I did dispute and it came back as validated from the CRA.I will send out a follow-up letter, since my main concern is just getting the TL deleted.ThanksIf they verified the TL after they knew your claim was disputed and not validated-then you have them (CRA) on a violation since it was 'verified' to them but not to you (providing your first DV request was complete). Now you need to respond to the CRAs and ask them for the information they asked for and what they received from the CA. Procedural verification. They must comply with this request or remove the TL by law-however they probably wont. Azzholes that they are.How can the CA verify a debt that they cannot validate to you? That is the law and the law says if they can validate it to you they cannot verify it to a CRA. Plain and simple. If you need help with letters, ask. There are plenty here and most of us can help you with others to suit your needs. Your on the upside so keep fighting!Good Luck! Link to comment Share on other sites More sharing options...
tropicaljo Posted October 19, 2004 Report Share Posted October 19, 2004 jkobz, I had a really bad time with American Agencies when I began my credit repair journey last year. I sent them a total of 3 DV's stating I had never heard of or from their company. They never bothered to respond to any of them. After the second one, I foolishly called them and their rep. called me "Sweetie" and informed me that they did not have to respond to the DV because I did not respond within 30 days of the first dun letter. "Well, I never recieved a dun letter from them," I said. She told me that they didn't have to prove I received the letter, only that they had sent one. Well, long story short, I sent the 3rd DV, waited the 35 days, then sent copies of all my letters and an estoppel/ITS, both to American Agencies and the CRA's reporting. The tradeline went away. Not sure wheter AA deleted, or the CRA's looked at all those letters that had gone unanswered and saw it my way, but I do know they verified to the CRA's at least twice without validating with me. AA is currently being investigated by the FTC and are well known for violating the FDCPA. Check out the BBB's report on them. Oh yes, I also filed complaints with the FTC, my state atty. gen, their state atty gen, and the BBB. Don't give up. They'll eventually cave, but you'll have to get really tough with them. Best of luck! Link to comment Share on other sites More sharing options...
jkobz Posted October 19, 2004 Author Report Share Posted October 19, 2004 Thanks all...I will get tough with them and let you know what happens... Link to comment Share on other sites More sharing options...
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