hendu Posted April 18, 2015 Report Share Posted April 18, 2015 Scenario: CA pops up on credit file. Send DV and dispute with 3 bureaus. TU deletes the account immediately. Still waiting on other 2 CRAs. CA sends 2 letters, stating that because the request was not done within the 30-day time frame after receiving their letter, they don't have to validate and will still report. CA is not licensed or bonded in Indiana. Can they legally collect? Can they report to CRAs? Checked Indiana debt collection laws and found this: (Please see attached document). Does this mean that the CA does not have to validate this debt because of failure to respond within the 30-day time frame of their letter? Without proper validation, how are they allowed to report to the bureaus? Aren't consumers allowed to ask for validation? Is that not our right to receive it? Thanks in advance!INDIANA COLLECTION AGENCY BONDING and LICENSING REQUIREMENTS.docx Quote Link to comment Share on other sites More sharing options...
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