SHM88 Posted March 17, 2007 Report Share Posted March 17, 2007 I have Truecredit and I pulled my updated CR (moments ago) only to findIQ Data International on there for an apartment complex.Now, I never received ANYTHING from IQ Data as this is the first time I am seeing the CA. Isn't there a law against posting on my CR without notification? I'd like to DV them but would love to quote the law on this one.I'm trying to hold off on Disputed with the CRAs until I send the DV.Is anyone aware of laws surrounding this? Link to comment Share on other sites More sharing options...
newbie7069 Posted March 17, 2007 Report Share Posted March 17, 2007 There isn't any. Send them a DV. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted March 17, 2007 Report Share Posted March 17, 2007 No law. Go forth and dispute Link to comment Share on other sites More sharing options...
Big Time Posted March 17, 2007 Report Share Posted March 17, 2007 They have five days to mail you something in writing after the inital communication.There is a lot of debate on whether reporting to a CRA first is inital communication, or even communication at all. Link to comment Share on other sites More sharing options...
June Posted March 17, 2007 Report Share Posted March 17, 2007 I have Truecredit and I pulled my updated CR (moments ago) only to find IQ Data International on there for an apartment complex.Now, I never received ANYTHING from IQ Data as this is the first time I am seeing the CA. Isn't there a law against posting on my CR without notification?Are you referring to: FDCPA Section 803(2)Do your research.Once they make inquiry, you are entitled to be aware of this.Must send dunning letter within 5 days... ??? I Dunno !!! Link to comment Share on other sites More sharing options...
IHateCAs Posted March 17, 2007 Report Share Posted March 17, 2007 Just DV. Link to comment Share on other sites More sharing options...
SHM88 Posted March 17, 2007 Author Report Share Posted March 17, 2007 Thanks...DV I will...being sent out today.Will keep you all posted. But I thought I was at least suppose to receive something in writing stating they were going to post on my CR. It states the account was opened on 6/23/2006 and was reported on 3/06/2007.I have never received a dunning letter from them at all. But I will most certainly DV them.Thanks again. Link to comment Share on other sites More sharing options...
June Posted March 17, 2007 Report Share Posted March 17, 2007 Are you referring to: FDCPA Section 803(2) Oops! Its 809(a).§ 803(2) of the FDCPA, 15 USC 1692a, provides: (2) The term "communication" means the conveyingof information regarding a debt directly or indirectly to any person through any medium.§ 809(a) of the FDCPA, 15 U.S.C. § 1692g(a), provides: (a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communicationor the consumer has paid the debt, send the consumer a written notice containing – ... Link to comment Share on other sites More sharing options...
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