CA popping up on CR without notification

[SHM88]

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? 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?

[newbie7069]

There isn't any. Send them a DV.

[Recovering Attorney]

No law. Go forth and dispute

[Big Time]

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.

[June]

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 !!!

[IHateCAs]

Just DV.

[SHM88]

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.

[June]

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 conveying

of 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 communication

or the consumer has paid the debt, send the consumer a written notice

containing – ...