No Response to DV - Which Letter Do I Use

[craftymom 0]

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

[Clydesmom 1,222]

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.

[craftymom 0]

Yes I sent DV in response to an item on credit report.

[Clydesmom 1,222]

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?

[craftymom 0]

One from a credit repair group

[admin 899]

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

[BV80 2,819]

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.