bigjohnstud4200 Posted May 1, 2007 Report Share Posted May 1, 2007 I am obviously missing something in debt validation. I recently pulled my credit report and noticed lots of items on my report that are not mine (they are debts of my father, I'm a Jr. and he's a Sr.) Anyhow, in my validation efforts I got a response that basically says, "pursuant to 15 U.S.C. § 1692g(a) they are not required to answer disputes unless they have sent a collection letter first". Well, I have never recieved a collection letter, I noticed this by CR. It's my father's debt and he lived in a state more than 2500 miles away (he passed now and they are reporting to my credit). After reading 15 U.S.C. § 1692g(a) it does seem to support their claim that they are only obligated to answer validations if they have initated contact first. Under what FDCPA can I use to make them validate a debt? I also disputed the information via the CRA and they verified, so I know I still have them on that violation. Link to comment Share on other sites More sharing options...
SecretAgentWoman Posted May 1, 2007 Report Share Posted May 1, 2007 Search the forum for "1 2 punch." Link to comment Share on other sites More sharing options...
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