Shellie Posted November 14, 2009 Report Share Posted November 14, 2009 When a consumer disputes a debt, the collection agency has to cease all collection efforts until they provide proof or validation of the debt. A consumer has 30 days to dispute a collection letter but apparently the collector doesn't have a deadline. I've got a company totally jerking me around. They dinged my credit report before they sent me a letter out of the blue about a supposed debt with no information as to what it is for, whom it is to or when it was originally incurred. For all I know, it's either 1) not mine 2) past the statute of limitations or 3) already paid but not credited. I've sent them letters asking for validation which they ignored, so I complained to the BBB and Attorney General who aren't doing anything because it doesn't appear to them as if the collector has done anything illegal. The law says they have to validate the debt. Doesn't it give them a deadline in which to do so or say they have to take it OFF of my credit report if they can't validate? Somebody give me something I've overlooked to fight this with! Link to comment Share on other sites More sharing options...
nascar Posted November 14, 2009 Report Share Posted November 14, 2009 You need to dispute the negative tradeline with the credit reporting agency. Theoretically, if the debt collector cannot/will not provide validation, he cannot verify the accuracy of the tradeline to the credit reporting agency either.Have you done that yet? Link to comment Share on other sites More sharing options...
Recommended Posts