JTsdaddy Posted December 27, 2007 Report Share Posted December 27, 2007 I sent a Dispute to CRA.. It came back verified. 72 days later I sent a letter to AFNI requesting they verify the account it has been 34 days since they got the letter, and have no respondedwhat type of letter should I send next Link to comment Share on other sites More sharing options...
brokeinok Posted December 27, 2007 Report Share Posted December 27, 2007 after a verified dispute with the CRA, you should write to the data furnisher and request an "investigation" of the reported TL per FCRA, not ask for validation. the wording is very important. dispute again, wait for the verification from the CRA then write the data furnisher wording your request correctly. they are required by FCRA to respond in 30 days or delete the TL, failure to do so is a $1,000 violation. they can also say your request for investigation is frivolous but they must inform you of that within five days of receipt of your investigation request. Link to comment Share on other sites More sharing options...
JTsdaddy Posted December 27, 2007 Author Report Share Posted December 27, 2007 Only problem is that I accidentally disputed the same TL twice and It came back a second time as frivolous. I disputed with the CA in December as validation. but no response yet. My frivolous came back from CRA in August. but I didn't think I could do something, till further reading of this site So If I dispute again as not mine it will be frivolous again and they wont even look at it. Link to comment Share on other sites More sharing options...
hasas13 Posted December 28, 2007 Report Share Posted December 28, 2007 Write another letter to AFNI. Explain to them the situation. One if info is not validate i request you remove. You must explain to them section 809( if I am not mistaken, of the FDCPA. This will get their attention. I am not a wizard at this but it work for me with AFNI. Link to comment Share on other sites More sharing options...
brokeinok Posted December 28, 2007 Report Share Posted December 28, 2007 Only problem is that I accidentally disputed the same TL twice and It came back a second time as frivolous. I disputed with the CA in December as validation. but no response yet. My frivolous came back from CRA in August. but I didn't think I could do something, till further reading of this site So If I dispute again as not mine it will be frivolous again and they wont even look at it.I'm not talking about the CRA saying it's frivolous, I'm talking about the data furnisher. Write AFNI a letter, state that you disputed with the CRA and they verified. Tell them you are requesting an investigation into the reported TL per FCRA (not the FDCPA). They have 30 days to respond from receipt or they must delete. Also, is this your debt, is it still in the SOL? if so be careful, you might wake a sleeping giant with this and end up with a summons to court. Link to comment Share on other sites More sharing options...
JTsdaddy Posted December 28, 2007 Author Report Share Posted December 28, 2007 Also, is this your debt, is it still in the SOL? if so be careful, you might wake a sleeping giant with this and end up with a summons to court.Its is still within the SOl, But I do NOT believe this account belongs to me. Also If the summomns me to court without verifying the information, they are in collection violation and will be sued Link to comment Share on other sites More sharing options...
webmistress Posted December 30, 2007 Report Share Posted December 30, 2007 Also, is this your debt, is it still in the SOL? if so be careful, you might wake a sleeping giant with this and end up with a summons to court.I'm confused about this. Alabama's SOL for open-ended accounts (credit cards) is 3 years. SO does that mean I should Not dispute anything until those 3 years are up. Or does it mean I must dispute within those 3 years?? Link to comment Share on other sites More sharing options...
razr Posted December 30, 2007 Report Share Posted December 30, 2007 I'm confused about this. Alabama's SOL for open-ended accounts (credit cards) is 3 years. SO does that mean I should Not dispute anything until those 3 years are up. Or does it mean I must dispute within those 3 years??You are still liable for the debt when it is within SoL. If you insist on validation of a debt that is within SoL, they may decided to actively collect or sue you. -r Link to comment Share on other sites More sharing options...
webmistress Posted December 30, 2007 Report Share Posted December 30, 2007 You are still liable for the debt when it is within SoL. If you insist on validation of a debt that is within SoL, they may decided to actively collect or sue you. -rThanks, so I shouldn't dispute until the 3 years are up? Link to comment Share on other sites More sharing options...
razr Posted December 30, 2007 Report Share Posted December 30, 2007 Thanks, so I shouldn't dispute until the 3 years are up?Just lay low unless you are willing to pay up.-r Link to comment Share on other sites More sharing options...
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