Hey Gang. Im currently trying to help someone out with removing some collection accounts from their credit report. Ive read over a few debt validation posts and Im trying to apply that method. For the collection accounts in question, there was never a dunning letter sent for one of the accounts. For the other, its too old to recall wether or not there was one sent. I have sent debt validation letter to both collection agencies. After 2 weeks of waiting, Ive sent dipsutes to the CRAs for the collection accounts as well.
Im still playing the wait game for the CRA to finish their dispute process. Its been a month since I sent the debt validation letter to both collection agencies and ive received nothing. From my understanding, they dont have a time frame to respond but can they continue collection activity (credit reporting) without responding to the debt validation. Ive read a that the debt validation process has to be within 30 days of receiving the dunning letter, but for one of these accounts, the dunning letter was never recieved. The collection account just appeared on the credit report so I guess this would be kinda like initial communication. For the other collection account, 5 years old, id think at some time they may have sent one....its 5 years old and the collection agency doesnt send bills for it, so, who knows.
Just tryna get some help on how to proceed if these accounts are "verified" by the CRA (typical)....but no information is ever provided by the collection agency for the debt validation request. Can the collection agency continue to report without providing debt validation? How would/ do I proceed? If im lucky, the collector will volunteeringly remove the account, which was the case with one that I tackled last month...Im jus looking for direction since its almost that time....id like to have a game plan on how to proceed.
Thanks for any help....its much appreciated.