wolfpup Posted January 20, 2005 Report Share Posted January 20, 2005 I DV'd a collection agency - they signed the green card on 12/20/04. Once i got the green card back i sent in my disputes with the big 3. EQ signed their green card on 1/6/05. I have yet to get a response from teh collection agency, but EQ has already sent me results sying they verified the accounts. The results said updated 1/2005. How can the collection agency verify with them before they do with me? Link to comment Share on other sites More sharing options...
miracle Posted January 20, 2005 Report Share Posted January 20, 2005 I believe the CA has to respond within 30 days. I would wait out the 30 days with the CA and see if there is a resonse. If there is no response, then yes.. it is a violation. They can not verify with the CRA and not respond to your request. And.. if you your accounts aren't marked as disputed, it is another violation as well Link to comment Share on other sites More sharing options...
CLM Posted February 7, 2005 Report Share Posted February 7, 2005 miracle - from my understanding the 30 day rule does not apply to the CA. A CA has 5 days after initial communication with consumer to forward written notice of the debt to the consumer. http://www.creditinfocenter.com/legal/FDCPA.shtml#809At that point the consumer has 30 days to respond to the CA. It's probably a good idea to wait a few weeks then DV the CA once again. If the CA still doesn't respond, then I would forward my green cards to the CRA asking how could they verify a debt that the CA couldn't. I would also ask the CRA for name and address of the verifying agency. Just a suggestion based on my experience. Link to comment Share on other sites More sharing options...
Josh Mcgrath Posted February 7, 2005 Report Share Posted February 7, 2005 I really hate it when people dont say what state they are in........!!!!!!!!!!!!!!!!!!! Texas and some other states BY LAW require a responce or delete within 30 days! So.................what state are you in? Link to comment Share on other sites More sharing options...
miracle Posted February 7, 2005 Report Share Posted February 7, 2005 Georgia from the looks of it. Link to comment Share on other sites More sharing options...
miracle Posted February 7, 2005 Report Share Posted February 7, 2005 CLM- If the OP used the sample letter posted on CIC... the OP requests they respond within 30 days. I am not sure if I am making an incorrect assumption as to whether or not OP is using one of the sample letters that requests response within 30 days. However, if they haven't responded and continue collections activity... they are with out a doubt in Violation. For them to verify with a CRA, they are in violation. The other reason I say wait 30 days is to see what the other CRAs respond with, if it comes back verified or not. Hope that made sense as far as what I was going for on that one. Good Luck Wolfpup! -Jenn Link to comment Share on other sites More sharing options...
DocDon Posted February 7, 2005 Report Share Posted February 7, 2005 Correct. Verifying info with the CA is a no-no without first furnishing proper validation. Link to comment Share on other sites More sharing options...
wolfpup Posted February 7, 2005 Author Report Share Posted February 7, 2005 yes i am in GA. Sorry about that!thank you for the help everyone! i will get ready to send teh next letter! i am hoping for deletion! Link to comment Share on other sites More sharing options...
miracle Posted February 7, 2005 Report Share Posted February 7, 2005 Keeping my fingers crossed for ya! Link to comment Share on other sites More sharing options...
CLM Posted February 8, 2005 Report Share Posted February 8, 2005 I really hate it when people dont say what state they are in........!!!!!!!!!!!!!!!!!!! Josh Mcgrath - I'm not sure if this comment was directed at me. If so, please accept my apology I am from Virginia. Miracle & Josh- I meant no disrespect with my comment. I was merely offering input based on my experience. However, thank you for the clarification. Link to comment Share on other sites More sharing options...
miracle Posted February 8, 2005 Report Share Posted February 8, 2005 No disrespect taken at all... we are all here to help one another Link to comment Share on other sites More sharing options...
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