:confused: Asset Acceptance won't validate-Transunion won't remove

[yanni72]

What is the name of your state? California

In a nutshell, I have an old credit card that is past the SOL for California. I sent a DV letter to the attorney representing Asset Acceptance on April 12. They have not responded. I sent them the limited Cease & Disist SOL letter since. I put together a nice dispute letter to all of the CRA's with copies of the DV letter, SOL letter, and proof that the SOL has expired. I received a letter from Transunion saying that they could not accept the documentation that I sent. They said that they have opened up an investigation and are in the process of verification. I called customer service and asked her why the documentation was not acceptable and that I needed VALIDATION -- not verification. She said that the CA has to remove the item. I told them that they violated the FDCPA by not reporting that a disputed debt was disputed and they did not respond to my DV letter or request and extension.

What should I do next? Thanks!!!

 

[cmorris]

What is the name of your state? California

In a nutshell, I have an old credit card that is past the SOL for California. I sent a DV letter to the attorney representing Asset Acceptance on April 12.

**Certified mail, return receipt? Do you have a copy and the green card?

They have not responded. I sent them the limited Cease & Disist SOL letter since.

**CMRR? Copy and green card?

I put together a nice dispute letter to all of the CRA's with copies of the DV letter, SOL letter, and proof that the SOL has expired.

**Not needed. You just needed to send a dispute CMRR.

I received a letter from Transunion saying that they could not accept the documentation that I sent.

**Yeah...

They said that they have opened up an investigation and are in the process of verification. I called customer service and asked her why the documentation was not acceptable and that I needed VALIDATION -- not verification.

**Credit bureaus do not validate. They only verify the tradeline with the creditor/collection agency.

She said that the CA has to remove the item.

*True. It can also be removed if the creditor ignores the request for verification.

I told them that they violated the FDCPA by not reporting that a disputed debt was disputed and they did not respond to my DV letter or request and extension.

**Who? The credit bureaus have done nothing incorrect or illegal. Your problem is with the collection agency. The do not EVER have to validate. There is not a timeline in the FDCPA. You lost some rights if you did not dispute the debt with the collection agency within 30 days.

What should I do next? Thanks!!!

First, go to creditboards.com. You are confused about this and need some accurate info. Go to the Newbie's Section and read until you can't read anymore. Here would be my plan of action:

Send a debt validation CMRR to collection agency.
When get green card back, dispute debt with collection agency CMRR.

Here you have a paper trail--very important. I said CA's never have to validate--unless you do this. This puts the CA on a timeline. They have 30 days to provide proper validation (45 if free credit reports). Here is how it works:

CA verifies tradeline (it stays) before providing validation--violation.
CA provides validation and then verifies--correct way
CA ignores everything--info is deleted.

You only have a good violation if you can PROVE it. The reason you aren't getting results is you don't know what you are doing. Go to creditboards.