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req Val of D and they try to scr*w us????

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Hi all, if you could offer help I would greatly appreciate it. I recently started trying to validate debt (medical) and mailed the letters CMRRR and one collection agency received them on July 3. Now as of July 9 they updated my credit file with Experian as a major derogatory again on all 4 accounts. In the letter mailed, I used the sample letter that states in a paragraph " If your offices are able to provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. " So my question is, since I requested they not report derimental info and they did, is there grounds for a suit? Here is why I think they are basically trying to "scr*w" me: My creidt report for last month showed the last status dates and dates reported as 1/06. NOw they are updateing again after all this time? Because I am requesting validation after becoming aware of this debt? Or can they still do it and get away with it? THere is just too much to learn with all of this. THanks for your help.


As far as I know, as long as you sent the validation letter to them within the 30 day window.
Then yes, they are in violation of the FDRA. Which means you can file a suit. Hopefully you have a copy of the letter sent to them and a signed return receipt that they received it?

Sub: #1 posted on Fri, 07/11/2008 - 17:15

Shazzers Shazzers
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