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craftymom

No Response to DV - Which Letter Do I Use

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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 by craftymom

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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.

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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?

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