SecretAgentWoman

Palisades - timely DV - no validation - but they verified with CRA

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Marked Experian with "investigation complete - consumer disagrees" - they never sent me anything except "we are contacting the OC, meanwhile you owe this much" when I DV'd them.

Grrrrrr.

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Why "grrrr"?

You now have all you need to file a lawsuit in Federal court. You can get $$$ and a delete.

Getting the CA to do this IS the ultimate purpose of the method here, after all.

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Why "grrrr"?

You now have all you need to file a lawsuit in Federal court. You can get $$$ and a delete.

Getting the CA to do this IS the ultimate purpose of the method here, after all.

I'm confused - I thought if they marked the TL as disputed, it wouldn't be a violation?

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I'm confused - I thought if they marked the TL as disputed, it wouldn't be a violation?

1) That is only if the DV is not timely - mine was.

2) They didn't mark it disputed until AFTER the 30 days.

3) They are lying and said they are done with "investigation" - that it is resolved but I disagree. They have NOT sent me any results of any investigation per Federal and Texas law. The only letter I got was "we are looking into it."

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The law states that a CA must cease collection activity upon receipt of a timely DV. Since they re-report to verify a dispute, then verifying when they have not validated in response to a timely DV is a violation. That is the essence of the 1-2 punch.

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1) That is only if the DV is not timely - mine was.

2) They didn't mark it disputed until AFTER the 30 days.

3) They are lying and said they are done with "investigation" - that it is resolved but I disagree. They have NOT sent me any results of any investigation per Federal and Texas law. The only letter I got was "we are looking into it."

I had the same problem with palisades, My DV was not timely and after they didn't respond to my DV and then they verified with CRA, I then filed a complaint with BBB and their state AG and sent them copies of the complaint and ITS letter they hurried up and got off of my CR. Please file a complaint with there AG it will help you and alot of others also. The more complaints the merrier. And this will let the AG know of their illegal acts. They appeared of my mother's CR and on April 6th I sent a validation letter to them and I am waiting on their response, if they don't remove it i'm gonna file another complaint.

Good luck and please file the complaint and watch them disappear!

sjcraw

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I had the same problem with palisades, My DV was not timely and after they didn't respond to my DV and then they verified with CRA, I then filed a complaint with BBB and their state AG and sent them copies of the complaint and ITS letter they hurried up and got off of my CR. Please file a complaint with there AG it will help you and alot of others also. The more complaints the merrier. And this will let the AG know of their illegal acts. They appeared of my mother's CR and on April 6th I sent a validation letter to them and I am waiting on their response, if they don't remove it i'm gonna file another complaint.

Good luck and please file the complaint and watch them disappear!

sjcraw

Stupid question: do you file with the state AG or are you talking federal? I got two Palisades (Verizon was the OC) dumped from TU and EX, but EQ is taking their merry time.

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SecretAgentWoman and Divemedic --

Thanks for the clarification! I'm sorry to appear dense - LOL

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Stupid question: do you file with the state AG or are you talking federal? I got two Palisades (Verizon was the OC) dumped from TU and EX, but EQ is taking their merry time.

No question is stupid, You file your complaint with Palisades state AG and yours also if you wish. And with the BBB.

Sjcraw

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