bap19 Posted February 4, 2005 Report Share Posted February 4, 2005 I sent my DV letter to American Agencies regarding an old PAC BELL bill and this is the response that I received - it was actually signed by the dispute departmentWe were recently notified by Exp/and or TU that you have disputed the status or balance.......blah, blah, blahAfter conducting reasonable investigation(s) with public records, real estate records..... and the original creditor information we are unable to confirm an error and do hereby acknowledge your dispute under the FCRA. We will report your account in dispute and our most current balance due. Please be aware that when your credit report is pulled by home/car lenders, credit card companies, etc they will see a disputed but unpaid and resolved deliquent account. For additional information including reasonable repayment options please contact us.Signed American Agencies Dispute DepartmentMy question is - now what?? I have disputed this account with all 3 CRA'sPlease advise. Link to comment Share on other sites More sharing options...
willingtocope Posted February 4, 2005 Report Share Posted February 4, 2005 Sounds like now is the time to send American a DV letter. They haven't actually said they have validation for this account, only that they can't confirm an error. You might also include some comments about "overshadowing" per the FDCPA since they're basically threatening you with adverse reactions to things they haven't proven. Link to comment Share on other sites More sharing options...
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