ribbit1072 Posted May 3, 2007 Report Share Posted May 3, 2007 Okay NCO are A**holes! They reported to the CRA on April 23 as a MAJOR DEROGATORY and now that I've DV'd them, they just reported again!! Might not be unlawful, but it sure is crappy. Link to comment Share on other sites More sharing options...
stancil1 Posted May 3, 2007 Report Share Posted May 3, 2007 It's a violation if you DV'd them and they haven't responded to you.D Link to comment Share on other sites More sharing options...
kemiren Posted May 3, 2007 Report Share Posted May 3, 2007 I disputed it via equifax, would that be the same thing? Link to comment Share on other sites More sharing options...
ribbit1072 Posted May 3, 2007 Author Report Share Posted May 3, 2007 "It's a violation if you DV'd them and they haven't responded to you."Even if it hasn't been 30 days? I know they already have the letter because it shows on my credit report that "customer disputes record as reported by subscriber, but I haven't go the green card back yet. So what do I do now? Link to comment Share on other sites More sharing options...
mwally007 Posted May 3, 2007 Report Share Posted May 3, 2007 A CA has NO obligation to reply to a DV... however, they must mark the account as 'disputed' and cease collection activity until the account is validated. Link to comment Share on other sites More sharing options...
ribbit1072 Posted May 3, 2007 Author Report Share Posted May 3, 2007 okay, so they can report every day if they want to as long as they aren't calling me? Link to comment Share on other sites More sharing options...
MadinKS Posted May 3, 2007 Report Share Posted May 3, 2007 Even if it hasn't been 30 days? I know they already have the letter because it shows on my credit report that "customer disputes record as reported by subscriber, but I haven't go the green card back yet. So what do I do now?So, you responded to their initial dunning letter within the 30 days? If so, then they are not allowed to continue to report. They must stop all collection activity until they provide you w/validation and I believe reporting to the CRAs is considered collection activity. FDCPA states:ยง 809. Validation of debts [15 USC 1692g]( If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Link to comment Share on other sites More sharing options...
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