hendu Posted February 9, 2005 Report Share Posted February 9, 2005 Sent a DV letter to Portfolio . A week later, I get a letter from them informing me of the dates of the account listed on my report was opened, the original charge-off date, the date they purchased the debt and the outstanding balance. They informed me that they have contacted the original creditor and have requested validation documents and that when they receive them, they would foward them to me. They also enclosed a form for me to fill out if I were alleging fraud or identity theft!!!!! What are they trying to pull here???? Link to comment Share on other sites More sharing options...
DocDon Posted February 9, 2005 Report Share Posted February 9, 2005 Sounds like they're doing the right thing by getting info directly from the OC.Don't fill out the form - it seems to be the S.O.P. now for many CA's to send that along. Link to comment Share on other sites More sharing options...
hendu Posted February 9, 2005 Author Report Share Posted February 9, 2005 And if the OC doesn't have the info, then they can't report it right? What if it goes past the 30 day period, do they have to stop reporting this debt because they did not furnish me with proper validation? Link to comment Share on other sites More sharing options...
DocDon Posted February 9, 2005 Report Share Posted February 9, 2005 There is no 30-day limit for a CA to respond to a DV.They cannot continue collection until they provide you with proper validation. Reporting to the CRA's after you DV'd them would be a violation. Link to comment Share on other sites More sharing options...
hendu Posted February 9, 2005 Author Report Share Posted February 9, 2005 gotcha Link to comment Share on other sites More sharing options...
sdc2027 Posted February 13, 2005 Report Share Posted February 13, 2005 To clarify for myself:If I have DVd and received nothing back after say 30days- I can then send the cmrr to the CRA to have it removed even if the cra 'says' they validated? Or should I first find out how they validated? Link to comment Share on other sites More sharing options...
hendu Posted February 13, 2005 Author Report Share Posted February 13, 2005 is this a collection you're talking about? Link to comment Share on other sites More sharing options...
sdc2027 Posted February 13, 2005 Report Share Posted February 13, 2005 It is a charged off account from the OC Link to comment Share on other sites More sharing options...
hendu Posted February 14, 2005 Author Report Share Posted February 14, 2005 Debt validation is for collection purposes. Link to comment Share on other sites More sharing options...
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