flash2010 Posted December 5, 2010 Report Share Posted December 5, 2010 I disputed a CA tradeline on my credit report with CRA. They responded verified. Then I sent a debt validation to the CA and they didn't respond. Where do I go from here to get this removed? Link to comment Share on other sites More sharing options...
nascar Posted December 5, 2010 Report Share Posted December 5, 2010 What you should do next depends, among other things, on whether the tradeline you are attempting to remove contains correct information. What say you? Link to comment Share on other sites More sharing options...
flash2010 Posted December 5, 2010 Author Report Share Posted December 5, 2010 I don't know what the collection is for. The CA is ANFI. There is a reference to Direct TV, but I haven't had satelite service with them for several years. Link to comment Share on other sites More sharing options...
esterlydsl1 Posted December 6, 2010 Report Share Posted December 6, 2010 Google is your friend. If you don't find any way than search on Google. Link to comment Share on other sites More sharing options...
GrumpyGus Posted December 6, 2010 Report Share Posted December 6, 2010 I can tell you a little...AFNI (formerly Anderson Financial)PO Box 3097Bloomington, IL 61072-3097800-371-3645They just recently (10/2010) threw a AT&T bill on my credit report that they claimed was from 2006. I don't recall this bill at all. I had AT&T and I moved, but I thought I paid that bill completely. The tradeline is only for $271. After all their fees and interest and any other BS a JDB tries to put on the tab, it could have been a final month that I inadvertantly left hanging.In any event, I did a DV to the CRA and it came back verified. So I followed with a MoV, and sent a validation letter to AFNI. They did not respond and it has been 30 days as of NOV 25. No dunning letter was ever sent to me in OCT. The only way I knew I had this on my report was because I pay for monitoring.So the day it hit my report and put me on a state of notice I requested validation within 30 days of that date. There was no response and they marked the tradeline "disputed". That's it. It remains on all 3 CRs right now under the name of the JDB, not AT&T.So I too am wondering what my next step should be. It is such a small amount and in all likelihood it is mine (since I did have ATT in 2006) but I don't want to do a PFD with a JDB who didn't follow any of the rules. It encourages being a schmuck.I've done a good job with my credit and I am not in the market for a house or car or any more CCs, so I would like to make a bigger deal of this since I have more time and money then I do common sense.Thoughts?Grumpy Link to comment Share on other sites More sharing options...
flash2010 Posted December 6, 2010 Author Report Share Posted December 6, 2010 GrumpyGus,I spoke to the FTC today. They are working with another Federal Agency (I'm not sure which one) and they are in the process of amending the FDCPA. The FTC agent told me that their goal is to put the CAs at task with more clear, specific rules they will have to abide by. The FTC understands that the consumer is getting screwed by these CAs. I am spending hours researching case law and reading FDCPA and FCRA over and over. I am starting to catch on a little. In your situation, I would go after the CRA and ask for their method of verification. This is required by FCRA. I am preparing a letter for this purpose for my case. I think pinning down the CRA for verification method, then pitting them against the CA is your weapon of choice. Your thoughts. Link to comment Share on other sites More sharing options...
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