sawyersdada Posted September 17, 2014 Report Share Posted September 17, 2014 Greetings, Today, we got a letter from an old collection account (3+ years old) from same collection agency that tried to collect it the first time. The account in dispute is an old Comcast account that kept billing past service cancellation. Comcast shrugged it's shoulders at us and sent us to collections. The last time I saw I letter from the CA (Stellar Recovery) was early 2012. We have disputed, attempted validation, etc. to no avail. Now that we have moved to a new home, all of a sudden it magically shows up again. Any thoughts on how to handle this? We have always been disputing this charge, to no avail. Thanks! Quote Link to comment Share on other sites More sharing options...
TomnTex Posted September 17, 2014 Report Share Posted September 17, 2014 Yes, look up the TX=392 laws and quote them to them per the stats. They must validate or remove. Use them instead of the FDCPA. I also have info on my TX thread here on the board. Quote Link to comment Share on other sites More sharing options...
BV80 Posted September 17, 2014 Report Share Posted September 17, 2014 @sawyersdada When you attempted validation, did you send validation request within 30 days of their first collection letter? If so, did they respond at all? Are they reporting on your credit report? Quote Link to comment Share on other sites More sharing options...
sawyersdada Posted September 17, 2014 Author Report Share Posted September 17, 2014 Did they respond? No.Are they reporting? Yes, on my TU. Quote Link to comment Share on other sites More sharing options...
BV80 Posted September 17, 2014 Report Share Posted September 17, 2014 @sawyersdada If you can prove that you sent the dispute within 30 days of their first collection letter, and if they are updating each month, speak to a consumer attorney. An FDCPA violation is only good for 1 year. If they're still updating their entry on your CR without validating, you may have a current FDCPA claim. Based upon what @TomnTex told you, you could have a violation of TX law, as well. You shouldn't have to tell the CA that they have to comply with TX law. Quote Link to comment Share on other sites More sharing options...
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