netrisca Posted March 22, 2011 Report Share Posted March 22, 2011 I received a collection letter from Southwest Credit dated 12/07/2010Sent a DV letter back, delivered 01/03/2011 (27 days) USPS CertifiedAfter that Southwest kept sending me letters saying 'Are you going to pay? We will take other measures!' Yesterday I looked at my credit report and noticed that they reported to all three Credit Bureaus on 03/10/2011:[TransUnion] Account information disputed by consumer, meets FCRA reqs[Experian] Customer disputed account - reported by subscriber. [Equifax] Consumer disputes this account information------------------------------------Subject has not satisfied debt. This caused a 20 pt drop in my scores. Are they allowed to place this on my reports 3 months later? Should I dispute with the Credit Bureaus? Link to comment Share on other sites More sharing options...
Downto0 Posted March 25, 2011 Report Share Posted March 25, 2011 No, they are not. This is collection activity which is forbidden by the FDCPA until the collector sends validation to you. They also have to report the debt as disputed if you did specifically dispute the debt in your dv. Link to comment Share on other sites More sharing options...
Hal Jordan Posted March 31, 2011 Report Share Posted March 31, 2011 There is atleast two FDCPA violations there. I would write them an ITS letter telling them of their violations and give valide explanation as to how they violated.Soemthing I'ev always wondered.. IS reporting to all 3 CRA's 3 violations? Or one? Link to comment Share on other sites More sharing options...
BV80 Posted March 31, 2011 Report Share Posted March 31, 2011 Soemthing I'ev always wondered.. IS reporting to all 3 CRA's 3 violations? Or one? When it comes to the FDCPA, it doesn't matter how many violations are committed. The max in statutory damages is $1000 per action (lawsuit), not per violation. Link to comment Share on other sites More sharing options...
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