Re: Cease and Desist Letters

Posted by Linda (65.120.51.17) on July 03, 2002 at 03:15:09:

In Reply to: Cease and Desist Letters posted by jeje on July 03, 2002 at 00:19:29:

Sold or assigned, reporting or continuing to verify a disputed account is considered an attempt to collect. That has been defined by the FTC in one of the opinion letters. So if you send a validation/dispute letter, and the CA even updates the account, that is a violation.

One way of getting the account off, or at least catching them in a violation is to send the validation letter, and when you get the little green card back from the post office, dispute the account with the CRA. The CA cannot verify the info to the CRA if they have not validated - wham!! it comes off. If they do verify it, wham! a violation.

The CA's do not have it together, for the most part - so you can usually get them with this techinque.

However, even if this gets the account removed, it is likely to reappear later when the automated updates occur, because they don't remove it from the database. Another violation.

On it goes.

Linda

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