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Ran across this from the ACA in regards to DV's in response to a consumer discovering a tradeline on their reports.

http://www.acainternational.org/images/209/consumerversionvalidationrightsfdcpafcra.pdf

Their stance is that any DV not in response to a dunning letter is not binding and therefore, does not require any response.




I love how thier 'official' little paper misquotes Chaundry. I love how they do that. That little write up isn't even good for toilet paper..would chafe.

Sub: #1 posted on Fri, 08/15/2008 - 12:12

goldenbast goldenbast
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(Posts: 2885 | Credits: 380.48)

Okay I been at alot of the forums and I keep seeing "dunning letter". Can someone explain what this exactly is? I am trying to educate myself because I know this is important in the credit world.

Sub: #2 posted on Sun, 08/17/2008 - 18:21

fireyone_02 fireyone_02

(Posts: 73 | Credits: 13.14)

The initial written communication from a CA is referred to as a dunning letter. It must have the mini-miranda informing the consumer of the 30 day right to dispute.

Sub: #3 posted on Sun, 08/17/2008 - 21:16

NASCAR_Devil NASCAR_Devil
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(Posts: 4666 | Credits: 308.23)

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