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Can a CA pull my CR during DV?


diamonddan73
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I sent the CA a DV letter a few weeks ago CMRRR and received the card. They called the attorney I hired a few years ago to see if they still represented me. Is that a violation of the FDCPA?

They just pulled my TU. Is that a Violation of the FDCPA?

They are attempting to collect a debt past the 4 year SOL in Cali. Is that another violation?

I think the Cali FDCPA states that even attempting to collect a debt past the SOL is a violation.

Thank you for any help or input.

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I am not sure if that is considered continued collection activity or not. If it is, then yes - it would be a violation. Someone else might chime in soon.

(B) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Have you read the FDCPA? That would be a great place to start...

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No, to my understanding they can do this.

In fact I think it's not uncommon. I noticed in my last round of disputes I saw two CA's do this. One of them even added a nice little $31 seperate collection for an old Medical bill after they got my dispute. Jerks.

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