strabismo Posted March 17, 2005 Report Share Posted March 17, 2005 Can the CA still report the collecttion as disputed by consumer even if they cannot validate the collection? Link to comment Share on other sites More sharing options...
booger69 Posted March 17, 2005 Report Share Posted March 17, 2005 Yep. But if the debt is not yours or it is out of statute, you can start to be a big pain in their butt. If it is or could be yours and is still in statute tread lightly. Also make sure to dispute with the bureaus...they may not bother to verify and it gets deleted! Link to comment Share on other sites More sharing options...
strabismo Posted March 17, 2005 Author Report Share Posted March 17, 2005 This is a medical bill that was late in 1999 and they just started to report it every month on my credit over the last 3 months. I think it is mine, but am not entirely sure it was very long ago. Where should I go from here? Link to comment Share on other sites More sharing options...
divemedic Posted March 17, 2005 Report Share Posted March 17, 2005 If it is a small bill and you can prove violations, the amount of your suit will be more than theirs. If you consider legal bills, you can beat relatively large claims. Link to comment Share on other sites More sharing options...
DocDon Posted March 17, 2005 Report Share Posted March 17, 2005 I'd have to think continually reporting the collection, even if they retain the "disputed by consumer" statement is considered 'continued collection activity'.... Link to comment Share on other sites More sharing options...
SevenBagels Posted March 17, 2005 Report Share Posted March 17, 2005 Strabismo,check the FCRA 611 (5) (A) It states clearly that the CBR HAS to delete any unvalidated accounts.http://www.ftc.gov/os/statutes/fcra.htm#611(5) Treatment of inaccurate or unverifiable information. (A) In general. If, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall promptly delete that item of information from the consumer's file or modify that item of information, as appropriate, based on the results of the reinvestigation Link to comment Share on other sites More sharing options...
divemedic Posted March 17, 2005 Report Share Posted March 17, 2005 611 is a requirement to the CRA. The CA is covered under 623. 623 (a) has no right of action. You would have to go with 623 (, which only says "if the investigation finds that the information is incomplete or inaccurate" and says nothing about unvalidated. It is a harder case to prove, IMO. Link to comment Share on other sites More sharing options...
SevenBagels Posted March 19, 2005 Report Share Posted March 19, 2005 Now I am confused. In the FCRA, what is the difference in terminology between the CA and CBR? It seems to me that both of them are required to follow the same set of rules.611 and 623 seem to work hand in hand as the second one reffers to the first one more than once.They could have writen the act a little bit more people friendly! Link to comment Share on other sites More sharing options...
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