shafted Posted January 16, 2005 Report Share Posted January 16, 2005 I think im might need a lawyer on this one, I feel as if multiple laws have broken. I had an old collections account from Sprint PCS originally filed in July 2002 written off my account by TU and EFAX last May 2004 because it could not be validated by either CRA. Well, it seems as if Cavalry bought the debt from Sprint PCS, and then reported it to TU and EFax but without notifying me first. I recieved a letter from Cavalry on January 11, 2005 dated Jan 7, 2005 stating that I had 30 days from the date of the letter that I dispute the validity of the debt, or they would assume it was valid. Too bad they had already reported it to TU & Efax before hand at the end of december (is that even legal?). Then, both TU and Efax added the "new" collection item to my credit report without notification, I guess they assumed it was new item, not just a recycled claim that previously deleted. The result, my credit score dropped by about 100 points on each report. The collection appears reported on my credit report as of 12/1/04 by equifax, and 12/23/04 by TU, and for some reason TU is listing the collection account under the old creditor Sprint PCS, not under Cavalry albeit with the new last action date of 12/23/04. I thought the CRA's had to notify you in writing within 5 days of adding a previously deleted account to your report, which TU and Efax never did. I want to clean this up as soon as possible, does any one know if I'd have any luck writing Cavalry and asking them to do a complete removal (its only $203.00) of the collection account if I pay in full? Help!!!! Link to comment Share on other sites More sharing options...
Guest Posted January 16, 2005 Report Share Posted January 16, 2005 Write to their compliance department in NY.. dont bother with the AZ address.. that isnt' where the big shots are.Tell them you want a TOTAL validation of the debt and you want proof you owe them anything.Dispute it right away. Link to comment Share on other sites More sharing options...
shafted Posted January 17, 2005 Author Report Share Posted January 17, 2005 BTTT anyone have luck getting cavalry to take an account off their credit report? Link to comment Share on other sites More sharing options...
LadynRed Posted January 17, 2005 Report Share Posted January 17, 2005 The way I read it, the SprintPCS was previously deleted, NOT the Calvary entry. Technically its NOT a re-insertion, Calvary put in its 2 cents as a NEW trade-line. The CRA's are VERY literal about this sort of thing, you won't win that argument.Calvary doesn't have to notify you of anything before reporting. Link to comment Share on other sites More sharing options...
shafted Posted January 17, 2005 Author Report Share Posted January 17, 2005 thanks LadynRed.. Im sending out the DV letter to Cav tomorrow. I doubt at this point Cav will be able to varify it since the last time it showed up in the CRAs data, and I claimed it was wrong they deleted it. I just wonder when this one is going to pop up again? Also, I suspect this is for a charge not even originally mine, or grossly incorrect. Is there any recourse I can take against Sprint directly? Link to comment Share on other sites More sharing options...
CRDTNogood Posted January 18, 2005 Report Share Posted January 18, 2005 ...Calvary doesn't have to notify you of anything before reporting.In California we have a Civil Code Section that covers notifying the debtor of ADVERSE ACTION prior to placing it on their consumer report. I think it's 1785. something... Maybe Recovering or CALAWYER will chime in... Link to comment Share on other sites More sharing options...
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