lmzajac Posted July 23, 2008 Report Share Posted July 23, 2008 I sent a DV letter to a CA and I haven't heard anything back yet, July 30 will be 30 days since the CA signed for it. I also disputed this with all 3 CRAs and the CA verified the debt as mine. In the letter I sent, I gave them 30 days to get back to me, I'm not holding my breath. Any suggestions on what to do when I get no response on the DV? I tried looking in the forums for advice, but with all these children (not all mine) running around I dont have a lot of time to search around. Thanks in advance. Link to comment Share on other sites More sharing options...
swirlgirl Posted July 23, 2008 Report Share Posted July 23, 2008 In most instances, they are not required to respond within 30 days. If you don't get a response, try sending a second DV letter.What are the particulars of the debt? Link to comment Share on other sites More sharing options...
razr Posted July 24, 2008 Report Share Posted July 24, 2008 If you sent them a DV they should have marked the TL as "disputed by consumer." If not...violation. If it was a timely DV and they updated the TL w/o first validating the debt, then they violated again.-r Link to comment Share on other sites More sharing options...
lmzajac Posted July 24, 2008 Author Report Share Posted July 24, 2008 the debt is from a tech school i went too. my student loans paid all of it my schooling, but they claim that i owe around 800. the only proof i have is that my student loans were 12025 and school was 11995. it was so long ago that i dont have any of the papers i signed when i was in school. there is nothing in the reports that says i dispute the debt at all. i'll try sending another dv letter and see where that gets me. thanks Link to comment Share on other sites More sharing options...
razr Posted July 24, 2008 Report Share Posted July 24, 2008 ... it was so long ago that i dont have any of the papers i signed when i was in school. there is nothing in the reports that says i dispute the debt at all. i'll try sending another dv letter and see where that gets me. thanksHow long ago? What dates are they reporting on your credit report?-r Link to comment Share on other sites More sharing options...
isislc Posted July 24, 2008 Report Share Posted July 24, 2008 Have you tried asking for a final bill from the school for that date? You should at least be able to get a break down as to what the extra $800 was for. Link to comment Share on other sites More sharing options...
lmzajac Posted July 24, 2008 Author Report Share Posted July 24, 2008 i was in school from april 2002-january 2003. i called the school and they said they dont have the records anymore. they were sent out and i'd have to have a court order to get them. on the credit report it says date opened 3/2006 and date reported 6/2008.also, i was just looking at my credit report to get the dates they are reporting and there are some collection accounts on there for very small amounts (i assume medical bills) with an account number, but no creditor name. what's with that? Link to comment Share on other sites More sharing options...
razr Posted July 24, 2008 Report Share Posted July 24, 2008 i was in school from april 2002-january 2003. i called the school and they said they dont have the records anymore. Send the school snail mail requesting information. Once you have a reply in hand from the school that says they don't have the records, you have won. There is no way for the CA to validate the debt. At that point you tell the CA to FOAD and dispute with the CRA's.-r Link to comment Share on other sites More sharing options...
dlpt2a Posted July 25, 2008 Report Share Posted July 25, 2008 Give them two more weeks, then send them a cease an desist collection efforts letter stating that since validating that account is in their best interest and they did not respond even having two extra weeks to validate you reassonablly assume that the account in unverifiable and unvalid and you are going try one last time to fix the issue out of court using the BBB and AG, at the same time without waiting for an answer press complaints with BBB an attorney general of the states where collectors are do it by mail enclosing copies of all correspondence. Keep the accounts in dispute with the CRAs all the time, every time they verify is a potential violationCarl.- Link to comment Share on other sites More sharing options...
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