HELP! Palisades just relisted a collection on two TU & EXP

[JoJoCal19]

Ok heres the deal, Palisades apparently bought a junk debt 12-06 (from what the listing I found said) and all of a sudden in like January 2007 I was checking my reports and saw it. I had never gotten a letter from them or anything. In March 2007 I started sending them letters asking what they were doing on my credit report. That went unanswered. Then In July 07 I sent a followup and recieved nothing back. So after coming back here and studying DV In I think March of 2008 I sent them a very stern DV overnight, and once I saw that they recieved I overnighted disputes to all 3 CRA's. The collection got deleted off all three right away, and I assumed that was cuz they never sent me any Validation and didnt want to violate.

Fast forward to July 3rd 2008, I check my credit cuz I wanted to get some furniture and saw that they reinserted it, as of June 23rd from what I can tell.

THEY NEVER SENT ME ANY VALIDATION and now they have reinserted in EXP and TU.

Did they just violate by continuing collection activity again with never sending me validation?

If so what is my follow up? Should I send a followup DV letter?

[CDL]

If you disputed with the CRAs by mail then yes them and the CA violated if your DV was timely.

I would dispute the CRAs again and point out they never notified you within 5 days of reinsertion, maybe try to call them first to see if that helps and save yourself some postage.

I would 623 the CA and point out they continued collection activity without validating first and check your reports to see if they marked it disputed.

I would also at the same time fire off complaints to the AGs, BBB, and FTC.

[Debt Guy]

The OP's post leads me to think the DV was not timely. What the OP did was the so-called 1-2 punch.

The end result of the reinsertion is not uncommon. The 1-2 punch strategy attempts to put the DB/CA into a compliance box where they violate one or the other law no matter what they do except to sit silently and let the CRA delete the tradeline when the DB/CA fails to timely respond to the dispute query.

DB/CAs who fall into the trap are usually lazy or incompetent.

OP -- is the debt yours? If not, then file a police report and the FTC fraud affidavits and send the whole mess to the DB/CA and OC.

OP -- is something being reported in error on the tradeline? If so, then focus tightly on that single issue and push for accurate reporting. You will have better luck.

If the debt is yours and you are just trying to hide old negative history, about all you can do is continue the strategy of flinging stuff against the wall to see what sticks. Or keep putting the DB/CA into a compliance conundrum. Sometimes it works. Sometimes it does not. And it generally works only with DB/CAs who are lazy or incompetent.

You might give some thought to how old the tradeline is. Old items have only a modest negative impact on your score. There is a score simulation tool at bankrate.com that you can play with to determine impact.

[NASCAR_Devil]

Ok heres the deal, Palisades apparently bought a junk debt 12-06 (from what the listing I found said) and all of a sudden in like January 2007 I was checking my reports and saw it. I had never gotten a letter from them or anything. In March 2007 I started sending them letters asking what they were doing on my credit report. That went unanswered. Then In July 07 I sent a followup and recieved nothing back. So after coming back here and studying DV In I think March of 2008 I sent them a very stern DV overnight, and once I saw that they recieved I overnighted disputes to all 3 CRA's. The collection got deleted off all three right away, and I assumed that was cuz they never sent me any Validation and didnt want to violate.

Fast forward to July 3rd 2008, I check my credit cuz I wanted to get some furniture and saw that they reinserted it, as of June 23rd from what I can tell.

THEY NEVER SENT ME ANY VALIDATION and now they have reinserted in EXP and TU.

Did they just violate by continuing collection activity again with never sending me validation?

If so what is my follow up? Should I send a followup DV letter?

Did you dispute with the CRA's on-line?

[JoJoCal19]

The OP's post leads me to think the DV was not timely. What the OP did was the so-called 1-2 punch.

The end result of the reinsertion is not uncommon. The 1-2 punch strategy attempts to put the DB/CA into a compliance box where they violate one or the other law no matter what they do except to sit silently and let the CRA delete the tradeline when the DB/CA fails to timely respond to the dispute query.

DB/CAs who fall into the trap are usually lazy or incompetent.

OP -- is the debt yours? If not, then file a police report and the FTC fraud affidavits and send the whole mess to the DB/CA and OC.

OP -- is something being reported in error on the tradeline? If so, then focus tightly on that single issue and push for accurate reporting. You will have better luck.

If the debt is yours and you are just trying to hide old negative history, about all you can do is continue the strategy of flinging stuff against the wall to see what sticks. Or keep putting the DB/CA into a compliance conundrum. Sometimes it works. Sometimes it does not. And it generally works only with DB/CAs who are lazy or incompetent.

You might give some thought to how old the tradeline is. Old items have only a modest negative impact on your score. There is a score simulation tool at bankrate.com that you can play with to determine impact.

Debt Guy, you are correct in that it was the 1-2 punch as described here on CIC.

About the timely DV though, you cannot have an untimely DV if a Dunning letter or any other letter was ever sent to me. They NEVER sent me anything, I just noticed them on my credit report one day.

I understand the whole DV thing and that if you get a Dunning letter you have 30 days to do a "timely" DV, but what if you never get any letter?

I guess I am going to send a letter to the CRA's advising them that they reinserted the collection without notifying me by letter within 5 days and have violated and also send Palisades letters saying that they have continued collection activity and have not verified the debt whatsoever.

NASCAR Devil, I have done all disputing and DVing by mail and have proof of all deliverys and copies of all letters.

Its frustrating because they did this with some bogus ATT account and I had to go thru the DV thing and deal with that with palisades before.