hummer931 Posted April 18, 2007 Report Share Posted April 18, 2007 I got a dunning letter from OMNI in dec of 06. I immediately shot off a DV letter CMRR of which i still have the greencards for.Well today omni popped up on my credit report. Do i send a ITS or what.What is the next step. As i havent had to go this far before. Normally the dispute method always works but since they just started reporting i have to do something.ALSOALltel who is the OC is also reporting. Is it legal for a OC and a CA to report the same account? Link to comment Share on other sites More sharing options...
hummer931 Posted April 18, 2007 Author Report Share Posted April 18, 2007 oh just to clear up-when i got the dunning letter in dec, it was not on my credit report from this CA. But i DV'd anyway. Now 4 months later they insert the collection with never validating. However BEFORE this was sent to the CA, altel reported this thimselves. i got it deleted off of 2 bureasu but is still on tu.SO i am almoast positive i have omni on a violation because they never validated and are now reporting this on my report. which is collection activity.I hope i was clear enough.Should i dispute this omni collection with equifax before i ITS just to dig them deeper?Or should i just ITS and say that ill be happy to take 500 bucks and a delete? Link to comment Share on other sites More sharing options...
hummer931 Posted April 18, 2007 Author Report Share Posted April 18, 2007 im sorry if i put this in the wrong section. I just need advice on how to move forward. Fo file in state or federal court, or small claims. Link to comment Share on other sites More sharing options...
gypsie Posted April 18, 2007 Report Share Posted April 18, 2007 When DVing, you really need to follow the flowchart:http://www.creditinfocenter.com/rebuild/debt_validation_workflow.shtmlYou've missed the timely second DV, but you did send the first one and that's very important.Go ahead and dispute with the CRA and send another DV- pick up on that part of the flowchart.THe DV process allows for you to "rack up" violations- as Dive's primer states. (Re-read Dive's primer if you need to. Read it until you can recite it)The more violations you have - the better your chances of actually winning a lawsuit- if things actually came down to that. Link to comment Share on other sites More sharing options...
hummer931 Posted April 18, 2007 Author Report Share Posted April 18, 2007 i couldent follow that lowchart before since there WAS no trade line from them. I was just getting letters.Anyway i fired off an ITS letter because of reporting to the bureaus without validating to me.I also did a cra dispute. So if they verify with the cra that 2 times they screwed up right. Once on the initial isertion and once by verifying, all without validating to me. Link to comment Share on other sites More sharing options...
HOOT Posted April 18, 2007 Report Share Posted April 18, 2007 I am having the same problem with Omni. They sent letter about 6 months ago and I dv them. No response and they put on my TU credit and I have disputed. Alltel is also who they aer collecting for. Alltel is also showing a balance with Omni showing one as well. My big problem with this is I have never had an Alltel account they tell me I have to dispute with the credit bureaus, even though they can find no information on me in their system using my ss#. The first time it showed up on my EX report last year they immediately removed. I hope so with this one. Good Luck! Link to comment Share on other sites More sharing options...
gypsie Posted April 19, 2007 Report Share Posted April 19, 2007 i couldent follow that lowchart before since there WAS no trade line from them. I was just getting letters.You're missing the point.It doesn't matter if the TL is on your credit report or not. Chances are- if it hasn't shown up yet- then it will be- as you already know.DV is a tool.1st because - anybody can send you a bill and say they are a CA and demand that you pay it. You NEED proof that it is actually yours. 2nd because- you want to protect your credit and keep "baddies" off of your reports.You want amunition regardless of it showing up yet on your CR. That is why it is STRESSED over and over on this board to be timely- 1 - because the FDCPA gives you a 30 day window initially, and 2- because you NEED more than just one violation- as stated many times on this board- specifically in Dive's Primer:"Next step. You need to prove the violations are intentional to really get good leverage for a court case. So, you repeat the above steps using a repeat DV letter. Once they have verified with the CRA twice and have not validated, you have repeat violations. This is enough to get them for willful noncompliance."That was my point in my above post. Link to comment Share on other sites More sharing options...
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