In February of 2009, I received a collection letter from Weltman, Weinberg & Reis Co. on behalf of Hilco Receivables. I promptly sent both of them debt validation letters via USPS CM+RR, giving them 30 days to validate the debt.
Their 30 days were up on March 6th (Hilco) and March 9th (WWR). Since I know CAs can't technically be held to those 30 days, I gave them a little more time on top of the original time so they could validate the debt.
We're a few days short of 60 days now and neither Hilco nor WWR have responded - in other words, the debt was never validated. In fact, I didn't even receive a flimsy "account summary" print-out from either of them (I thought I would have at least gotten one of those).
Well, I checked my TransUnion report last night and it appears as though Hilco reported on the account in question - the one they never validated - on 03/10/09 ... four days after the 30-day validation "limit" I gave them.
Am I wrong or did Hilco violate the FDCPA when they reported on that account despite not validating? What should my next step be?
Should I now send CM+RR requests to the Credit Reporting Agencies to have the Hilco account removed from my reports based on the lack of validation AND the fact that they're trying to keep the account current without having validated?
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