sayes77 Posted January 8, 2006 Report Share Posted January 8, 2006 Im little confused hereI have charge-off cc debt from 5 yrs ago , passed SOL.I have sent DV letter to OC 3 weeks agoI haven't heard any response from them.but I noticed they pulled soft inquiry on my report several days ago.Is this considered violation ?I believe DV is only for CA and OC do not have to respond to my DV letter. but I read it somewhere OC and CA is considered samething in california. If not what do i sent to OC ?Can you clarify this for me ? Link to comment Share on other sites More sharing options...
chincheck Posted January 8, 2006 Report Share Posted January 8, 2006 I believe DV is only for CA and OC do not have to respond to my DV letter. but I read it somewhere OC and CA is considered samething in california.You're referring to this post:http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=39096&highlight=In California, the OC and CA are considered "creditors" only in the instance of credit reporting. Otherwise, state law defines the term "debt collector."Therefore, DV is for CA only, so you are right that the OC doesn't have to respond to your DV letter. Soft inquiries wouldn't violate anything as well. However, FACTA requires them to respond to your DISPUTE letter.Simply state in your dispute letter that your records indicate a discrepancy, and to send you an itemized account history. Link to comment Share on other sites More sharing options...
Recommended Posts