Been_Ponzied Posted June 12, 2005 Report Share Posted June 12, 2005 Is it still a law that they have to validate? Because THEY don't seem to think so, or care that they break a law if they don't. How can it be possible that 4 collection agencies have all ignored my validation letters? I used the sample one on this site. I sent them all via CMRRR. Is it a myth about validation? Have the creditors got the validation concept pegged now? Should I send a second letter that is threatening, or start disputing them by mail right now? Do I quote the law when I dispute these with the CRAs? We do not have the money to sue anyone, nor the energy after all we've been through this past year. Small claims court costs $$$ plus don't we have to sue them where they are, and travel to where they are?Experian (the CRA used most often in my state) will not allow me to dispute online no matter what. I am not a person who thinks they can just stop paying their bills. My husband and I are retired/disabled, we were victims of a huge Ponzi investment theft and ex-wife fraud that left us destitute. We only need decent credit to rent an apartment. Only. Thanks, all for your help. Link to comment Share on other sites More sharing options...
flythai834 Posted June 13, 2005 Report Share Posted June 13, 2005 when you sent your dv letter cmrrr, after you received your green card back, did you dispute w/all three cras? you must immediately dispute it. have you checked to see if all the cas that you sent your dv letters list their tls in dispute. If so, then there is no time frame as to when to have to answer your dv letters. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted June 13, 2005 Report Share Posted June 13, 2005 CAs do not have to answer your DV. They can choose not to. But if they do not answer, they cannot continue to collect ( if you made your request w/in 30 days of their first demand). It is not uncommon. If you DV'd CAs for items on your CR, and haven't received an answer, and it has been 60-90 days from the green card date, consider disputing with the CARAs, showing them the green card and arguing that since the CA could not validate, the item is erroneous and must be deleted. Not a slam dunk, but worth the effort. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted June 13, 2005 Author Report Share Posted June 13, 2005 CAs do not have to answer your DV. They can choose not to. But if they do not answer, they cannot continue to collect ( if you made your request w/in 30 days of their first demand). It is not uncommon. If you DV'd CAs for items on your CR, and haven't received an answer, and it has been 60-90 days from the green card date, consider disputing with the CARAs, showing them the green card and arguing that since the CA could not validate, the item is erroneous and must be deleted. Not a slam dunk, but worth the effort.Yes, I'm disputing again now with the CRA's because FDCPA Section 809 talks about how the CA's are supposed to validate debts. But when I sent documentation proof of VLs & CMRRRs to Experian, they don't want any additional paperwork and sent me a letter saying that they can't use it.I'm only working with Experian right now for my husband, and Equifax for myself, because I have report numbers from a free credit report. I am waiting to get the $$ to get all our credit reports. (When you have to do that for a couple of people on a low fixed income, it's not easy). Link to comment Share on other sites More sharing options...
flythai834 Posted June 13, 2005 Report Share Posted June 13, 2005 yes, i completely understand, this process, can either be long and tedious or fast and quick. just hang in there. are you disputing with the cras often. i think the rule of thumb is to wait 60 days until your next dispute for the same tl and dispute it as something other than what you disputed first. make a list so you can refer to later on. Link to comment Share on other sites More sharing options...
Been_Ponzied Posted June 13, 2005 Author Report Share Posted June 13, 2005 yes, i completely understand, this process, can either be long and tedious or fast and quick. just hang in there. are you disputing with the cras often. i think the rule of thumb is to wait 60 days until your next dispute for the same tl and dispute it as something other than what you disputed first. make a list so you can refer to later on.Great idea! But no, I don't dispute with them often at all. We have 30 years of excellent credit and then one year of trashed credit. Link to comment Share on other sites More sharing options...
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