does this still work?

[GucciMark]

Here's how I recently removed a paid collection:

1) Sent a dispute letter to the CA. This is the same as a DV letter, except I replaced "debt validation" with "dispute" in the letter.

2) Disputed the TL with all 3 CRA's. Came back as verified.

3) Sent the CA an ITS letter outlining their FCRA violations. Gave them 7 days to remove the TL's and pay me.

4. Checked my CR's and all TL's are gone!

I'm curious about 1 thing.

A> Does it still work?, or have most collectors caught on to this? seems like a nice loophole.

Where's divemedic? He would know.

I think this is the law that is being applied.. FCRA Section 623(a)(3).

http://72.14.253.104/search?q=cache:s3OuUex1ViAJ:www.ftc.gov/os/2004/11/041119factaappg.pdf+Section+623(a)+(15+USC+1681s-2).&hl=en&ct=clnk&cd=1&gl=us&client=firefox-a