Have anyone here had any sucess filing a complaint with the Attorny General's Office.

[sjcraw]

I wanted to know if there is someone here on this post that has had a good out come when filing a complaint about a creditor to the Attorney General's office. I validation about four accounts in August and then sent follow up letters to the Creditor's with no response from them. I filed complaints today about them and I sent them copies of the letters that I sent to the Creditor's. If anybody has done this with sucess please post and let me know the out come. Thanks in advance

Sjcraw

[breathing_easier]

Did you mean to say that pursuant to the FDCPA you sent DV letters to the collection agencies handling your accounts? If, in fact, you sent them to the original creditors, they are not bound by the FDCPA and so do not have to respond to your DV letters.

[sjcraw]

Did you mean to say that pursuant to the FDCPA you sent DV letters to the collection agencies handling your accounts? If, in fact, you sent them to the original creditors, they are not bound by the FDCPA and so do not have to respond to your DV letters.

I read that the Original Creditor do have to validate under the FCBA. Also if you say that you have never received any notice from the creditor. If I'm wrong could you please explain it to me. If you see a tradeline on your CR and don't know why it's on your report who is liable to show where it comes from. If a OC doesn't have to validate, then why do the CRA have to show method of Verification?

[tmac01]

I had no luck with the AG in TX and very small luck with the BBB in other words they just made both parties respond. Unfortunately the OC lied to them and that was it...Good Luck

[wvufan788893]

I read that the Original Creditor do have to validate under the FCBA. Also if you say that you have never received any notice from the creditor. If I'm wrong could you please explain it to me. If you see a tradeline on your CR and don't know why it's on your report who is liable to show where it comes from. If a OC doesn't have to validate, then why do the CRA have to show method of Verification?

If you are disputing a charge within 60 days of it's posting to your account and you send said dispute to the creditor in writing, then yes, that creditor must respond to you under the FCBA.

They do not have to respond to your request to verify what they are reporting under the FCRA, although the FACTA amendments do provide an administrative remedy if it rises to the level that the FTC finds cause.

Original creditors do not have to validate accounts or credit reporting under the auspices of the FDCPA insofar as the statute is inapplicable to them.

If you wish to dispute a tradeline appearing on your credit reports, you request verification of the accuracy and completeness of the tradeline through the credit reporting agencies. If the furnisher of information verifies inaccurate, incomplete, or obsolete information upon your dispute, you have a cause of action under the FCRA, specifically, 1681s-2b if you can prove up some fashion of damages.