flak88mm Posted January 19, 2008 Report Share Posted January 19, 2008 I read that if your debt validation is "untimely", you have to follow the guidelines of FDRA Section 623 (a)(8). Maybe you guys can help me out a bit. This means that the CAs dont have to debt validate your request since you didn't send in a dispute within 30 days of them sending you a letter that they put you in your CRs. So i read that the next step is to request an investigation with the OC? your response is appreciated.thx Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 19, 2008 Report Share Posted January 19, 2008 Long story short, taht's one way to go, yes.There is nothing in the FDCPA that states a CA has to respond to you when you send in an untimely DV. Some have sent in untimely DVs and gotten responses, some have not. YMMV. The FCRA Section 623 Investigation works with an OC, or anyone else who places info on your CRs. But you have to DISPUTE first, and have it come back verified, for it to do you any good. here is the page that lays out the steps. Link to comment Share on other sites More sharing options...
rmuse00 Posted January 19, 2008 Report Share Posted January 19, 2008 As a consumer you never give up your right to dispute. I believe one should always dispute whether timely or not. I disputed only after pulling my reports for the 1st time in a few years. Never recieved anything in the mail, but then again I had moved during those few years. I still have the right to dispute anything that I consider to be inaccurate information being reported on my credit reports. Then, I take it from there. Link to comment Share on other sites More sharing options...
flak88mm Posted January 20, 2008 Author Report Share Posted January 20, 2008 As a consumer you never give up your right to dispute. I believe one should always dispute whether timely or not. I disputed only after pulling my reports for the 1st time in a few years. Never recieved anything in the mail, but then again I had moved during those few years. I still have the right to dispute anything that I consider to be inaccurate information being reported on my credit reports. Then, I take it from there. but also you dont want to expend your energy sending letters if its not gonna lead anywhere...because you're untimely. there has to be a clause stating that even if untimely, they still have to provide FULL proof its your debt... a dv'ed a few CAs and they sent me back a "supposed" DV on their end with just a print out of the debt and who its from. but this is not good enough. i told them to provide a signature and name from who they collected from and send me copies as proof its my debt. Link to comment Share on other sites More sharing options...
Elrey26 Posted January 21, 2008 Report Share Posted January 21, 2008 I'm following this thread now... I've been pretty confused about the whole untimely DV issue. It doesn't seem fair that they (CA) can say they sent you an initial letter with no proof, and you simply waive your rights for validation. Also, I'm assuming that you cannot use the 1-2 punch with an untimely DV?? One of the experts please clarify for us, as I'm sure many others would like to know how to handle untimely accounts. Link to comment Share on other sites More sharing options...
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