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OC ignored my request to verify but verified with CRA


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OC must comply with FCRA rules not FDCPA rules (that's for debt collection companies). I've had letters come back from OCs or found out later from OCs that they ignored my letters or didn't respond to them because they thought I requested the later and not the former. Don't confuse verification of the debt under FCRA with debt validation under the FDCPA.

Whether the OCs were honest with me about their confusion, I'll never truly know. Regardless of what they believed or not, I used those certified letters (sent to the OC and requesting verification under FCRA) to eventually convince the credit reporting agency that the OC was ignoring my requests and it did help me delete one negative trade line. The other certified letters to various OCs also helped in my threated lawsuit against the credit reporting agencies.

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