creditrookie Posted March 16, 2005 Report Share Posted March 16, 2005 I recently DV'd four CA's only one of which is reporting on my credit report. The other three I had received communication's from by mail or phone. After I DV'd them and got the green cards back I disputed the one that is listing and all the OC's for the others. All of them verified the accounts without validating the debts. I understand that the one CA that is reporting is in violation of the FDCPA but what about the OC's. If they have assigned the debt to a CA who I DV, can they still legally verify with the CA's? Since they can't be in violation of the FDCPA are they in violation of anything? Should I then go to method of verification with the CRA's? Link to comment Share on other sites More sharing options...
workinninetofive Posted March 16, 2005 Report Share Posted March 16, 2005 The OC is not bound to the FDCPA. It's the CA's in violation. Link to comment Share on other sites More sharing options...
retmar Posted March 16, 2005 Report Share Posted March 16, 2005 The only thing that can happen to an OC regarding an assigned debt is IF your State law holds them liable for the actions of their assignee. Then you would have some recourse if the CA did violate. At the same time, the OC must be reporting the TL as a CO, assigned to collection, or some other reference that is it in collections. If not, they are in violation of the FCRA. As to the other CA's. You mention 4, but, only one has the account. Therefore, only the one handling the account can report the debt. The others are in violaiton if they verify yet are not handling the debt. Link to comment Share on other sites More sharing options...
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