epark28 Posted August 16, 2008 Report Share Posted August 16, 2008 Can a CA add a Collection to a CR after just talking to you by phone?A CA called me and notified me of an alleged debt. I don't even know if this is my debt. They never sent anything by mail - they know my address. Now all the sudden they're showing up on all 3 CRs. Isn't that a violation of some type?I'm in the DV process with them right now, even though they never sent me a dunning letter. Link to comment Share on other sites More sharing options...
BTO429 Posted August 16, 2008 Report Share Posted August 16, 2008 if you are in the DV process then NO they cant, Read the FDCPA on the top of the site Link to comment Share on other sites More sharing options...
swirlgirl Posted August 17, 2008 Report Share Posted August 17, 2008 if you are in the DV process then NO they cant, Read the FDCPA on the top of the siteUm, which violation would this be? Link to comment Share on other sites More sharing options...
Debt Guy Posted August 17, 2008 Report Share Posted August 17, 2008 Can a CA add a Collection to a CR after just talking to you by phone?Yes.There is a FTC Opinion Letter that says the CA cannot report the tradeline if they are in receipt of your written dispute. However, if they have already reported when they receive your dispute, then they are allowed to continue to report provided the tradeline is marked "disputed". Link to comment Share on other sites More sharing options...
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