Not sure what to do...
Date: Sat, 08/22/2009 - 10:34
I disputed the reporting on my credit reports whence Cohen did not validate. Experian updated the info with CACH now owning the debt, and didn't remove it. What do I do?
hi berg-- heres the thing, you asked for DV from Cohen, which
hi berg--
heres the thing, you asked for DV from Cohen, which was only hired by CACH to collect on their behalf. You need to also ask for validation from CACH, since they are apparently the ones who own this debt at this time. Cohen is not in the wrong at this point--you asked for validation, and they have not contacted you since. Also, since CACH is on your credit report, that has nothing to do with Cohen.
Send CACH the same written DV request. Let them prove their claims to you. Oh, and dont let them try to tell you that your 30-day window for requesting validation is up, because it isnt.....the 30 days starts when you receive the initial dunning letter from CACH, which you have never received.
debt
What do you do when you DO ask for some kind of Validation ( asked this in another thread..) and the CA's/OC say they are "not obligated to Validate." How do you 'work with' this kind of response?
well, sd, if you live in a one-party state, you record them sayi
well, sd, if you live in a one-party state, you record them saying it. In that same phone call, you ask for an address to send them a written request for validation. If they refuse to provide it, you go to naca.net, find yourself an attorney, and file the lawsuit. Seriously. its what I would do. If they arent willing to play by the rules, make them pay for it.
I would even consider leading the horse to the water, so to speak--I would record the call while I was asking the collector, "Last time I spoke with you guys, I asked for documentation on this debt, and the person on the phone said that you arent obligated to provide any. Is that the case?" And wait for the response with tape rolling. Thats what I would do.
If all else fails, at least you have your side documented.