ca on credit report during validation process

They can report.....it you are disputing the validity of the debt, they must report the account as disputed. However, since a lot of CA's only report monthly or bimonthly, it can take time for it to appear.

Even though the debt is not valid. Along with the dv letter i also sent them an email from the pdl showing amounts i had paid them, which is much more than what the original pdl was for and per ny laws is all I'm required to pay. So therefore the account is paid in full. Would this be something that I could dispute with transunion and equifax?

Also does anyone have a link to sample letter I can send them asking to have the item removed from my report. It's getting close it having been 30 days and I haven't gotten anything back from nca. when I last spoke with them they told me the account was being verified and that they were waiting for paperwork. If i don't hear from them can I have it removed?

here is the link to sample letters You can select them as per your requirement

So even though this account can not be validated and I'm not going to owe anything they can still keep this on my credit report?

I think I read an opinion on this at the FTC website. If a consumer disputes a debt in the 30 day window it could by chance end up on a credit report BUT has to be reported as disputed. If you dispute the entry with your credit report and have not been sent validation yet that is when the law is broken.

It is the 1-2 punch and can be very effective in a lawsuit against a debt collector.

So what would I need to do, because they are not going to be able to validate the debt and it's getting very close to the 30 days. This was from a payday loan that I had paid and have emails showing that, that I included with the letter i sent them requesting that it be validated.