bf9868539 Posted November 10, 2005 Report Share Posted November 10, 2005 About one year ago I was dealing with a CA (AFNI Inc.). They never were able to Validate the debt, but they put it on my ex report recently, where should I start?Thanks Link to comment Share on other sites More sharing options...
bf9868539 Posted November 11, 2005 Author Report Share Posted November 11, 2005 bump Link to comment Share on other sites More sharing options...
Methuss Posted November 11, 2005 Report Share Posted November 11, 2005 Start here:http://www.ftc.gov/os/statutes/fdcpa/letters/cass.htm Link to comment Share on other sites More sharing options...
bf9868539 Posted November 11, 2005 Author Report Share Posted November 11, 2005 would i send info to the ca or cra. should i dispute with cra? Link to comment Share on other sites More sharing options...
Methuss Posted November 11, 2005 Report Share Posted November 11, 2005 As it stands you should dispute with both.Send the CA a letter with a copy of the Cass opinion and let them know you have all the documentation to prove the violation. Send the CRA a similar letter disputing it with copies of the original dispute and the Cass opinion explaining that it a violation of Federal law for a CA to add a tradeline after receiving but not responding to a dispute. Tellt he CRA you expect the item to be removed. Link to comment Share on other sites More sharing options...
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