DV Strategy

[tst888]

first off....got my first success from DV and an account deleted after first letter. Hooray !!!

I have 3 separate CA accounts from ER Solutions that are all reporting. I am in the process of DV'ing for all 3 and have already disputed and they have come back verified.

I have been staggering the letters and requesting DV separately for the 3 different account in hopes of causing more trouble for the CA.

thus far, I have been ignored by them and I'm about to send out the final 2nd followup letter for the 3rd account.

my question is this.....should I just wait till they don't respond to this letter and send an ITS letter mentioning all 3 accounts or should I go ahead and fire off an ITS for the 1st account since it's already been 15+ days since they received the followup letter for the first account.

or does it even matter ? am I overanalyzing this?

hope this is not too confusing.

thanks

[GreatGadsby]

I have 3 collections all with the same CA, and I DV'd them all at once with each letter I sent. now on 3rd round, last chance b4 I sue their @sses!

so if I'm reading correctly and you've already sent 5 letters, I'd be preparing for court.

[tst888]

yes that is correct I have sent 5 letters thus far

acct #1- Initial & Followup

acct #2- Initial & Followup

acct #3- Initial (about to send followup very soon)

Odds are, they won't respond to letter #6 since they've ignored the first 5. I'll probably just give them a little time after they receive then send an ITS mentioning all 3 accounts.

[ocn2000]

You could keep all three accounts/disputes seperate, including when you give them your ITS. That gives them three different cases to manage which could increase their chances of continuing to mess up.

[SassyJ]

When you are waiting for DV from the CA, and you dispute with the CRA, what do you say, it is not mine? Im confused on that process.

[Recovering Attorney]

Sue them for what? It is not against the law to ignore a DV. TAhey canot contiue to collect and ignore the DV, that is the violation. If they have reported you to teh CRAs and they haven't deleted or marked teh reports as disputed, then you might have a violation. However, simply avoiding your letters is not a violation.

If they have been reported, you might dispute with the CRAs. Give them copies of the ignored letters and demand the CRA dlete the item as it is obviously unverifiable, so the CRA would be reporting inaccurate info

[tst888]

yes, they have verified all three accounts with the CRA's during the time that I have been sending the validation requests. I will definitely be mentioning that in my ITS letter.

[Recovering Attorney]

let me get this straight. You have 3 CA accounts and they appear on your CR, right? You say " am in the process of DV'ing for all 3 and have already disputed and they have come back verified. " Who has gotten your 5 letters? the CA or the CRA? If you have been disputing through the CRA and they come back from teh CRA as "verified," you need to dispute the report w ith the CA and DV the CA. Now, if you have DV'd the CA directly and you haven't received a response but they haven't noted your dispute on the CRA data base, then you send them a letter saying you will sue them unless they delete the item as they have incorrectly reported an unverifiable debt. Copy the CRAs on those letters, as well as the FTC and your AG. See if that works.

[tst888]

yes, that is exactly where I am. I've sent DV requests directly to the CA and received no response thus far from 5 letters regarding the 3 different accounts.

All 3 accounts are reporting on EX and EQ. I have disputed them with the CRA's and they have come back verified.

so I think I'm all set to go with my ITS letter. I'm just waiting a little longer to give them a chance to respond to letter #6 which is letter #2 for the 3rd account.

[Recovering Attorney]

So, the CRAs can have the item ( unless they posted after your first letter) but it should be marked as " disputed by consumer" or something to that effect. If not, you might have them.

[rmuse00]

While on the subject.

I disputed a speigel account with EQ & Ex. Two days later sent DV's to CA's reporting these accounts. Both CA's ignored DV (over 30 days as of today), never listed these accounts in dispute. CRA's verified account! What is my next step? DV again to CA's? or letter to CRA noting that these are invalidated accounts? I have the same going on with TU with another account. None of the CA's which I have received green cards back from have listed these account in dispute.

Thanks!

[Recovering Attorney]

RMUSE>>> Too early to tell, me thinks. I'd wait until 60 days from teh greencard dates then pull your CR again and see if there has been a change. If not. dispute with the CRAs on the basis that you DV'd and heard nothing, so the item is unverifiable and should be deleted. ANd ITS the CAs Hopefully, that will help you.

It is hard to be patient, especially whrn you've been wronged, but it takes time for mail to be digested into big companies, and even longer for them to report to the CRAs

[rmuse00]

Thanks Recovering Attorney. Appreciate your feedback.

[tst888]

I guess the original question and post on this thread don't really matter anymore because all 3 acccounts were just removed from all my files and several days later I received a letter from the CA stating that they were doing so.

this stuff works guys if you keep at at !!

4 CA TL's down 3 to go.