AshleeMichelle Posted March 25, 2014 Report Share Posted March 25, 2014 I recently sent a letter to validate a debt that is in collections. The collections company responded with " This notice is to confirm that we are in recepit of you request for calidation of the above mentioned account. We will send you request for the documentation to our client. Upon receipt, we will forward it on to you. If we are unable to obtain the documentation in a timely manner, we will close the account, cease any further collection activity and return the account to our client." My question is can they do this? Or should they should delete the debt since it appears they can not validate the debt on their own. Quote Link to comment Share on other sites More sharing options...
willingtocope Posted March 25, 2014 Report Share Posted March 25, 2014 Actually, that's the legal procedure. You DV the CA, they contact the OC for details...the OC sends a copy to you. While this is going on, the CA's tradeline on your credit reports should be marked "in dispute". Once that's done, they can take as long as they want to get you the DV. 1 Quote Link to comment Share on other sites More sharing options...
AshleeMichelle Posted March 25, 2014 Author Report Share Posted March 25, 2014 As long as they want??? So it is not 30 days like I have read through out the site? Quote Link to comment Share on other sites More sharing options...
Wins the Battle Posted March 25, 2014 Report Share Posted March 25, 2014 YOU have 30 days to send the DV letter. THEY can take as long as they want to answer, but must "cease collection efforts" during that time. Unless you are in TX, in which case, YOU can take as long as you want to send the DV letter (but need to reference the TX law that allows this) and THEY have 30 days to validate. The standard for validation in TX is higher, too. 1 Quote Link to comment Share on other sites More sharing options...
AshleeMichelle Posted March 25, 2014 Author Report Share Posted March 25, 2014 Alright thank you for all the information!! Quote Link to comment Share on other sites More sharing options...
appletree Posted May 3, 2014 Report Share Posted May 3, 2014 I know this is over a month old but I'm posting anyway. I've had an item on my credit report being listed as in dispute for two years. I'm in Texas. It's about to come off in the next few weeks, I sued, I won, I signed papers and returned. Just waiting on the check now. I had no idea they could not continue collection activities while in dispute. I sued because of the constant calls and numerous violations. Do you have a source for that info? About the Texas part? Quote Link to comment Share on other sites More sharing options...
AshleeMichelle Posted June 7, 2014 Author Report Share Posted June 7, 2014 I know this is over a month old but I'm posting anyway. I've had an item on my credit report being listed as in dispute for two years. I'm in Texas. It's about to come off in the next few weeks, I sued, I won, I signed papers and returned. Just waiting on the check now. I had no idea they could not continue collection activities while in dispute. I sued because of the constant calls and numerous violations. Do you have a source for that info? About the Texas part? So I have a few things on my credit report from the same company and they have not reported it again since 2011, it does not say in dispute, but I did send a validation a few months ago to the collections agency with no reply. Should I take it to the credit bureaus explaining I sent a validation letter with no reply? It is only on my transunion report?? Quote Link to comment Share on other sites More sharing options...
Wins the Battle Posted June 7, 2014 Report Share Posted June 7, 2014 You may want to start your own thread about this...but if they've not reported since 2011, why stir the pot? As for TX, I'm not an expert, but there are many Texans here who are. Quote Link to comment Share on other sites More sharing options...
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