craftymom 0 Posted May 31, 2020 Report Share Posted May 31, 2020 (edited) It has been over 45 days since I sent DV letter and no response. At the same time I disputed to Experian and they temporarily removed while they investigate. Is there a letter I send to Experian regarding no to DV? Edited May 31, 2020 by craftymom Quote Link to post Share on other sites
Clydesmom 1,222 Posted May 31, 2020 Report Share Posted May 31, 2020 What did you dispute and who did you dispute it to? If you sent a dispute to the creditor because of finding the trade line on your credit report they are free to ignore it. If you sent a DV in response to an initial collection letter then they are not required to respond within a time frame. They are only required to cease collection efforts until they do validate but reporting to the bureaus is generally not considered a collection effort. Quote Link to post Share on other sites
craftymom 0 Posted May 31, 2020 Author Report Share Posted May 31, 2020 Yes I sent DV in response to an item on credit report. Quote Link to post Share on other sites
Clydesmom 1,222 Posted June 1, 2020 Report Share Posted June 1, 2020 19 minutes ago, craftymom said: Yes I sent DV in response to an item on credit report. Okay, your profile says you are from California. CA gives additional rights under state law to its residents to dispute debts above and beyond the FDCPA. Did you invoke those rights or use a terrible cut and paste letter from the internet? Quote Link to post Share on other sites
craftymom 0 Posted June 1, 2020 Author Report Share Posted June 1, 2020 One from a credit repair group Quote Link to post Share on other sites
admin 896 Posted December 8, 2020 Report Share Posted December 8, 2020 On 5/31/2020 at 2:12 PM, Clydesmom said: but reporting to the bureaus is generally not considered a collection effort. Isn't there case law that says it is? FDCPA Section 809(b), FTC opinion letter Cass from LeFevre Also, Moscona v. California Bus. Bureau, Inc. UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA (24 Oct, 2011) @Clydesmom Quote Link to post Share on other sites
BV80 2,819 Posted 19 hours ago Report Share Posted 19 hours ago On 12/8/2020 at 4:03 PM, admin said: Isn't there case law that says it is? FDCPA Section 809(b), FTC opinion letter Cass from LeFevre Also, Moscona v. California Bus. Bureau, Inc. UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF CALIFORNIA (24 Oct, 2011) @Clydesmom I just read this thread. While in some jurisdictions, credit reporting is considered a collection activity, it is not considered to be an initial communication that triggers the validation section of the FDCPA. Quote Link to post Share on other sites