Information required from OC

[bidamia]

Hey all,

I'm sorry if this has already been discussed but I can't find it in any of my searches. It seems so simple a question, so I'm sure it's been addressed, but I apologize in advance.

I know I can't DV an OC because the FDCPA doesn't apply to them. But what information can I request from them per the FCRA or FACT Act? How much time do they have to respond. If they don't respond, can I submit that fact along w/ my green cards to the CB as proof that the account cannot be verified? (The accounts have already been verified by the OC to the CBs, but I have no idea how that could be since I never opened the accounts!)

Any help is definately appreciated

-Bidamia

EDIT:

Murphy's law - the moment you post a thread u will find most of your questions answered in other threads! I found this thread which addresses some of my questions:

http://www.debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=3959

but how long does the OC have to respond?

[divemedic]

You can dispute with the OC. What you do is dispute the debt and then request investigation from the CRA. When they verify incorrect information, they have just commited a 623( violation. If they verify without dispute notice, that's 2. If you live in Florida, that's 4 or 5, depending.

[bidamia]

I have already disputed w/ the 3 CBs and they have come back verified. Do I need to do it again? If they don't provide me with the documentation I'm requesting (i.e. Statements, Sales Receipts, Original Contract) and I follow up with a letter stating they've violated FCRA Section 623(, what Florida Statutes can I say they violated? Do I threaten to sue? Would I have a case at that point or do I contact the FTC and BBB and see where that takes me?