Violations of the FDCPA, FCRA, or both?
Date: Tue, 06/10/2008 - 00:40
A collection agency continues to report on my credit report even though they haven't responded to my DV request. I disputed the entry with Equifax and they told me the debt had been verified by the CA, so they will not remove it. Can someone help me determine if the fdcpa or the FCRA is being violated? If so, which?
Welcome to the community Guest. The answer to your question; bo
Welcome to the community Guest.
The answer to your question; both. fdcpa violation is continued collection activity after validation has been requested. At this point I would suggest contacting the credit reporting agencies that verified it and demand the collection agency's method of validation.
Thanks JCEMT; Is Equifax in violation of the FCRA since they con
Thanks JCEMT; Is Equifax in violation of the FCRA since they continue to list it on my credit report?
Nope Equifax is just listing what the furnisher has reported to
Nope Equifax is just listing what the furnisher has reported to them.The collector would be liable under fcra.
