Frustrated with CU Posted May 17, 2013 Report Share Posted May 17, 2013 I am listed as a co borrower on a credit union credit line based in CA. I now live in TX. It is still with the original creditor. I have requested 3 times validaiton from the credit union that I signed for the account, which I did not, and instead keep receiving the same letter stating that " I was added to the loan in July 2006" which is true when I was added to my wifes checking account I was also added to the loan. I never signed for the loan and therefore do not believe I am responsible.What are the laws pertaining to this debt validation given that the account is in CA and I am now in TX which states rules apply?Should I attempt a debt settlement letter to close this account once and for all since it appears they do not read their correspondance closely. If so, which states rules would apply? Link to comment Share on other sites More sharing options...
Frustrated with CU Posted May 17, 2013 Author Report Share Posted May 17, 2013 Also I would like to add that Equifax removed the account from my credit report while the other two just validated the debt. I have sent new more detailed disputes to the other two credit reporting agencies along with the deletion letter from Equifax but have received no response yet. Link to comment Share on other sites More sharing options...
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