Help with Asset Acceptance

[Souldog]

I need some advice please:

Asset Acceptance has changed some information on my Experian report as follows:

3/27/03 - They reported a collection for FNCB in the amount of $424; date opened 9/02 (which of course is not the right date). I disputed it with Experian and it came back verified.

3/25/04 - The account is now showing as a $0 balance and that the account is in dispute.

1/18/05 - The account is now showing an amount due of $542.

I'm planning on disputing this again with Experian, but I need to find out if what they have done is in violation of the FCRA or FDCPA. I want more ammunition this time to deal with Asset.

Thank you for your help!

[c m chase]

Asset and Experian are bed buddies...it's not likely they'll come off without a fight.

So....the account doesn't say 'in dispute' anymore? Did they send you any validation? I bet they're reporting the debt as an installment, too, aren't they?

They have violations, sure. They will always have violations. Here's what I see just from that...it's very likely there are more:

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FCRA §1681s(2)( : by not reporting the information contained in the report was inaccurate once debt was disputed.

FDCPA §1692e(2) : by using false representation of the character of the debt (saying it's an installment account)

FDCPA §1692e(2) : by using false representation of the legal status of the debt (saying it's an installment account)

FDCPA §1692e(2) : by using false representation of the amount of the debt (are they allowed to be charging that much interest?)

FDCPA §1692e( 8 ) : by communicating credit information which is known to be false (all of the above)

FDCPA §1692e(10) : by using false representation or deceptive means in an attempt to collect any debt (all of the above)

FDCPA §1692f(1) : by attempting to collect an amount no expressly authorized by an agreement

FDCPA §1692g( : by not ceasing collection activity prior to validation of the debt

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Enjoy.