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CA not on credit report -- How to DV?

Guest country_girl

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Guest country_girl

Hi, I received a written notice from CA stating that "the account has been referred to our office for payment in full." I pulled my credit report immediately, and found out that TL is still under OC, with the balance of $422 and the status is "profit and loss write-off". CA's name is not on any of three CRAs.

Question: Since CA is listed with CRAs, I cannot request investigation from CRA after I DV (1-2 punch), right? What happens if I DV, and CA cannot validate? Will it simply go back to OC, then gets reassigned to some other CA? What should I do? :confused:

Thanks in advance for all your help!

- CG

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