Help Please, Are These Violations?

[ConfusedToo]

1. Asset did not notify me of reporting to CRAs, their letter said we "may" report.

2. Same account appears twice, original creditor and CA.

3. Asset continues to report to CRAs after C&D.

4. Date of last activity incorrect.

5. Never did provide proper validation after several letters, just the usual info on their letterhead.

6. Original creditor spoke to Asset on phone after they had sold it to Asset, Asset relayed info to them that I need to call Asset. (And this was well after the C&D letter to Asset.)

Just trying to get my ducks in a row, plan to see a lawyer to get this going. It is an old account that was paid in 2003, but the original creditor refused to acknowledge the fact that they considered it not paid. I paid it and never heard from them again. When I started inquiring about it, the original creditor sold it. It took me 2 months to figure out who the original creditor really was, since they had changed names!

I have disputed once again, if they verify, is that another violation?

Thanks for any help. This is the last baddie I am dealing with and I am determined to make them go away forever, short of paying them what I don't owe.

[brokeinok]

1. Asset did not notify me of reporting to CRAs, their letter said we "may" report.

Sounds like splitting hairs to me, they said they might and they did so that is notifying you.

2. Same account appears twice, original creditor and CA.

They do it all the time, you had an account with the OC which is reported and if they sold it to a collection agency, it technically belongs to them so they are reporting too.

3. Asset continues to report to CRAs after C&D.

I believe that a C&D letter applies only to contacting you by phone or whatever manner you stipulate in your demand. If all we had to do was send a C&D to every CA to get them to stop reporting then we would all have perfect credit!

4. Date of last activity incorrect.

Yep if you can prove it

5. Never did provide proper validation after several letters, just the usual info on their letterhead.

If you sent a DV which you can prove was received by the CA and they didn't respond but keep sending collection letters or demands for payment then that is a violation.

6. Original creditor spoke to Asset on phone after they had sold it to Asset, Asset relayed info to them that I need to call Asset. (And this was well after the C&D letter to Asset.) I doubt the OC will come testify in court or sign an affidavit about this so I would think it would be very hard to prove.

Just trying to get my ducks in a row, plan to see a lawyer to get this going. It is an old account that was paid in 2003, but the original creditor refused to acknowledge the fact that they considered it not paid. I paid it and never heard from them again. When I started inquiring about it, the original creditor sold it. It took me 2 months to figure out who the original creditor really was, since they had changed names! If you have paid it and have proof, then you should probably file a complaint with the FTC, BBB and the AG's office.

I have disputed once again, if they verify, is that another violation?

If you have DV's the CA and they verify a dispute through the CRA then it is considered continued collection activity and is a violation.

Thanks for any help. This is the last baddie I am dealing with and I am determined to make them go away forever, short of paying them what I don't owe.

I'm sure others here will have comments also.

[ConfusedToo]

Thank you for the info. Hopefully in about 2 wks I should have the results of this last dispute.