creditrookie Posted May 24, 2005 Report Share Posted May 24, 2005 Can a CA still report on your credit report if you send them a C&D letter within thirty days of their first communication with you. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 24, 2005 Report Share Posted May 24, 2005 Did you mean to say a debt validation (DV) letter? If you are talking about whether a CA can update negative TL on your reports after they've received your DV letter (you sent it CMRRR, right?) then no, they are not allowed to update negative info. Nor can the CA add a new negative TL to your reports after receiving your DV letter. It is considered continued collection activity and is prohibited under the FCRA. If you're talking about a TL that was already there when you received the collection letter from the CA, then the CA is required to report to the CRA(s) that the TL is "in dispute" and that should be reflected on your reports. Link to comment Share on other sites More sharing options...
creditrookie Posted May 24, 2005 Author Report Share Posted May 24, 2005 No, I sent a cease and desist communication for a CA that had called 4 or 5 times. It went out CMRRR the day I received a letter from them so they crossed paths in my post office. After they received it they put an entry on my CR. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 24, 2005 Report Share Posted May 24, 2005 Sending a full cease & desist letter (all communication, written or phone) instead of a limited cease & desist letter (phone calls only) isn't always a good idea. A CA might feel that their hands are now tied and that their only recourse is to sue. I believe the "no continued collection activity" only applies when a DV letter has been sent. You've sent a DV letter, right? Link to comment Share on other sites More sharing options...
creditrookie Posted May 25, 2005 Author Report Share Posted May 25, 2005 I didn't DV because I had never received a letter from them, just phone calls. Can I DV now? Link to comment Share on other sites More sharing options...
breathing_easier Posted May 25, 2005 Report Share Posted May 25, 2005 Yes, definitely DV them ASAP. Only a DV, not a C&D, will prohibit them from further collection activity (until they validate). Be certain to include a limited C&D clause in your DV letter. Link to comment Share on other sites More sharing options...
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