How to dispute with CRA when JDB doesn't DV?

[ShortBus]

Did I get enough acronyms in the title?

The short version. AFNI sends me a dunning, I reply with a DV request, they ignore. 3 weeks later they report to all three CRAs, I send an ITS to their COO, also ignored. I'm gearing up for a FDCPA suit, but want to cover my bases first while also nailing them for FCRA violations. So I want to dispute, but I don't know what reason I ought to give the CRA's. Suggestions? Thanks.

[prettykitty]

i'm not sure what ur 1st dispute was for or what tradeline ur disputing. the cra's throwback perfectly valid disputes as frivolous all the time, so i would dispute: "Creditor refuses to validate this UNKNOWN (or whatever applies) tradeline, please delete immediately". i would enclose copies of my dv ltrs, its ltr, & cmrrr as additional proof.

this the short list i've accumulated from the threads, i wish i had the link to a larger list of disputing reasons.

This information is inaccurate because:

• This is not my account
  
• I have never paid late
  
• This account is in bankruptcy
  
• This account is closed
  
• I have paid this account in full
  
• I paid this before it went to collection or
  
• before it was charged off
  
• Reinserted Trade Line
  
• Incorrect File Date
  
• Incorrect Assets
  
• Incorrect Liabilities
  
• Incorrect Status Date
  
• Incorrect Status
  
• Obsolete