THE 1-2 PUNCH AGAINST COLLECTION AGENCIES
When someone requests validation regarding an alleged debt of theirs, the CA cannot continue what’s termed “collection activity”. This includes reporting to the credit bureaus. If they do, they’ve violated the FDCPA
This is how you catch them:
1) you request validation
2) when you’re absolutely sure they’ve received your lawful request, you immediately dispute with all three CRAs. If the CA “verifies” the account during the period they’re supposed to be gathering the validation materials for you, they’ve violated the FDCPA.
Timing is everything with the 1-2 Punch. Keep in mind that even if your goal isn’t to collect damages but to simply clean-up your reports, you can
1) collect your evidence
2) line your ducks up
3) and use an “intent to sue” letter to net a CRA deletion. You want to send that CRA dispute within just a few days of their receipt of the validation request.
NEVER THROW ANYTHING AWAY! YOU’RE ENGAGED IN YOUR CREDIT REPAIR WAR!