PCS Posted November 26, 2007 Report Share Posted November 26, 2007 Does anyone have a FTC opinion letter or court cases that states if you do not get a collection letter but notice a collection on your credit report you still have the right to validate the debt and the CA can not verify with the CRAs' unless they validate with you?I have read the FDCPA, many FTC opinion letters and much more. Everything I see about validation it states that 30 day period after recieving a dunning letter. I have not found anything that states you can validate at anytime and the CA can not proceed with collection activity if it is an untimley validation.Thanks for your help! Link to comment Share on other sites More sharing options...
willingtocope Posted November 27, 2007 Report Share Posted November 27, 2007 I beleive the actual wording of the FDCPA is something about "first contact" (I'm at work, and haven't got the time to look). If that's the case, your first contact is when you first noticed them on your CRs. Link to comment Share on other sites More sharing options...
nascar Posted November 27, 2007 Report Share Posted November 27, 2007 "initial communication" Link to comment Share on other sites More sharing options...
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