Shazzers - Thanks for the info...Please check me on it....

Yep, just make sure your account is closed before you send the letters! :)

pdl sent my debt to cllection, and cllection reported to equifax, I disputed it and the verified the account is mine, what can I do now?

Was it an Illegal lender and CA?

Guest, if this is an illegal lender, you will need to make the collection reporting agency aware of this. Include a copy of your state laws, and any correspondence (ACH revocation, wage assignment revocation, etc.) between you and the OC in your dispute to the CRA. It will be your responsibility to prove to the CRA the debt in question was/is illegal. Are you in MO also?

I am in MA, and yes the collection name is international financial SE.
what should I send or tell the CRA??

what letter should I send to CRA, details please?? thank u so much

Click on the link below to view your payday loan laws, it clearly states that payday loans are prohibited in MA, copy those laws and send it to the CRA, tell them the CA is attempting to collect on an illegal debt.
http://www.paydayloaninfo.org/state_detail.cfm?id=MA

thanks, but equifax verified the CA and what docs should I send to CRA regardind the CA??

oh oh, I called divisionm of bank in MA and international financial Se in not license in MA but they are under national credit Ajusters. I call national credit ajuster and they dont have my account no more, they transfered to crown management se.
what i am going to do now, are they going to report it to CRA again???

Shazzers, I ready need your advise, if you could email me to email address removed for your protection, I have replied, please check your email, Shazzers. I dont know what to do and you seen very good at it. really need you help, if we could talk?

Did you send the collection agency the information that the loan was illegal in MA so the collection of that loan and reporting it to the CRA was also illegal.