Author Topic: No response to Validation Letter  (Read 1418 times)

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jerrichopetra

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No response to Validation Letter
« on: March 22, 2011 12:34:03 PM »
I have a collection account LVNV Funding LLC. I disputed account with the CRA and they "verified it". So I sent a Debt Validation letter to LVNV and they have not responded in 30 days. I also sent a Debt Validation letter to FirstSource LLC that listed LVNV as a creditor a week after I disputed on the CRA. What do I do after both these companies do not respond to my DV Letter? Do I send copies to the CRA asking them to delete the account? Follow up to the CAs?

kevinmanheim

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Re: No response to Validation Letter
« Reply #1 on: March 22, 2011 12:55:48 PM »
Do you have proof you sent the DV's?

Sending a DV, and them failing to respond, does not mean they must remove it from your credit report. All they are required to do is mark it as disputed.

What is your goal?

jerrichopetra

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Re: No response to Validation Letter
« Reply #2 on: March 22, 2011 08:24:21 PM »
Yes I have proof I sent both DV letters. My goal is to have this collection account deleted. The original account that they have never validated was 300 dollar credit limit. They are seeking 1465.

kevinmanheim

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Re: No response to Validation Letter
« Reply #3 on: March 22, 2011 08:27:16 PM »
As long as it is accurate, there is no requirement for them to delete the tradeline, even if you pay.

You did all you could with the DV. If they contact you again, and they haven't provided validation, you could sue for a FDCPA violation. If they don't contact you, there's not much you can do until the accounts fall off about 7 years after you defaulted.

coltfan1972

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Re: No response to Validation Letter
« Reply #4 on: March 23, 2011 12:53:38 AM »
If they are not marking the account in dispute, on your report, then that is a FCRA violation.
LexisNexis® Legal Newsroom- 05-17-2013 | 10:11 AM --

JONESBORO, Ark. - A federal judge in Arkansas on May 15 ruled that dismissal of a consumer's lawsuit against a debt collector is not proper because although the consumer posted messages on a website "in an odious manner," valid First Amendment concerns exist (Brandon Scroggin v. Credit Bureau of Jonesboro Inc., No. 12-0128, E.D. Ark.; 2013 U.S. Dist. Lexis 69070).

transborder

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Re: No response to Validation Letter
« Reply #5 on: March 23, 2011 06:41:22 PM »
Check your credit report carefully - look for date of last activity. LVNV will attempt to re-age the debt - using their acquisition date as a proxy for last activity. I caught them doing this in my own case... it's a violation of both the FCRA and the FDCPA.

 

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