OK…..I sent Arrow Financial Services and Midland Credit Management DV letters in November 2009. Received confirmation they received all the letters with signture confirmations. I keep getting account verified as belonging to me from the CRA’s. I understand that since the accounts are past the SOL they do not have to respond to the DV letters. But isn’t the continuation of reporting the information that has not been validated an FDCPA violation?
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CRA’s only verify through E-Oscar. I disputed 2 accounts via internet and both came back verified in 4 days. (that was a mistake…I should of used snail mail).
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What arsenal of weapons can I use to challenge the CA’s to prove validation? Can I force the CRA’s to perform a proper validation by mail or fax? These 2 CA’s represent some 13 accounts on my credit report. The OC’s have listed all the accounts as charge-Off’s. I contacted one major OC involved and they state I have no financial obligation to them. Balances owed were transferred to the CA. However they continue to report the accounts as charged off. Any suggestion on how to get the OC to remove the negative listing since they don’t seem to want to settle for a PFD?
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