Questions about FLA - Landlord dispute
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Posted by FLA-RENTOR
(24.247.176.222) on October 03, 2003 at 12:58:55:
I have an entry on my credit report from a CA reported on 11-2001. I noticed it in 8-2002 and sent back the dispute portion of my report to the CRA and they sent me back a letter saying they validated the debt. I called the CRA again and said I still wouldn't accept that. I called the CA and asked for validation myself, which I was told it would be sent. I remember recieving a vague stated letter about cease & desist from the CA (sorry, can't find original) and I never heard back in the last year. I ran my report again last month and noticed it was still there. This time around I called the CA and asked again, he said he showed record of the conversation and said they sent the validation. I asked for it again and he faxed a letter that my landlord had sent him with an itemized break down of every possible "free lunch" fix they could write off. I am concerned about how this was validated by the CA. They apparently have no signed agreement between the landlord and me, saying I owe this amount. They have no judgment. And the landlord waited only a couple of weeks after I vacated to sell the invoice to the CA. Some questions? 1. Does the landlord have to contact me and inform me, then try and collect the debt for more than two weeks before it is sold and put on my report? 2. Does the landlord have to be the one who reports to the CRA first? 3. Can a landlord include charges to replace carpets, refrigerators, stoves and do tree trimming if I was only there for 10 months, damages are not mine or are not existent and they have no judgment? 4. When I spoke to the CA I told him I wouldn't accept the word settled on my report and asked him for deletion, which was ok, but we are thousands of dollars from each other. I asked him if I needed to put my request in writing and he said yes and he would note it disputed. How can I dispute this without putting disputed on my report? 5. Will this even help my score? It is two years old, isn't showing past due and has had no entries added since the original entry of 11-2001.
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