Clydesmom Posted February 19, 2016 Report Share Posted February 19, 2016 3 hours ago, acorn said: I believe that's the intent of the Texas law. No it isn't. The courts are divided on whether a trade line is collection activity and until a definitive ruling is issued by SCOTUS after someone challenges all the way AND the court agrees to hear the case it will remain that way. Not even Texas requires EVERY collection agency in the country to register and post a surety bond to report to the bureaus. 2 hours ago, BV80 said: @acorn Then you need to call an attorney. Personally, I don't see how reporting to CRAs could be considered a debt collection action WITHIN the state of TX. It isn't. He is making a huge leap that not even Evil Kenevil would attempt it. 2 hours ago, acorn said: The reason I'm asking is that for every trade line we're disputing to the CRA (2 for me, 3 for hubby), NONE of the collection agencies who are reporting those TLs have the surety bond required by the state of Texas. (They're all beyond the SoL, as well, and we don't recognize any of them, either, which is why we're disputing.) I was just wondering whether that surety bond thing might be an additional set of teeth to force them to get those TLs off our reports. No. The surety bond issue is between the CA and the state of Texas. ALL that would happen if they were actually trying to collect on the account is Texas would require them to cease collection efforts until they did post it but that does not include removing trade lines. Quote Link to comment Share on other sites More sharing options...
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