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FCRA Section 623(A)(3) Question


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I know when your out of the 30day window for a collection. If you send a DV Letter they dont have to respond. But they do have to put disputed by Consumer on your Credit Report. My question is how do you catch them on this Violation do you pull a new credit report everyday and make a copy of it if they did not put Consumer disputes. Or is there some kind of time period for a collection to put it on there. And my second question is to catch a CA on this violation do i have to do the 1-2 punch or can i just flat out send a DV letter to the CA. Any answers out there?

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