Disputed, sent DV, next step?

Date: Thu, 03/07/2013 - 16:09

Submitted by justmindy
on Thu, 03/07/2013 - 16:09

Posts: Credits: [Donate]

Total Replies: 3

I pulled my 3 free and found something on my Experian from RJM Acquisitions about Doubleday Books. I disputed with Experian and they "updated." I sent a DV to RJM with no response. I found an email for RJM and emailed them giving them until a certain date to respond. That date is approaching and I still haven't heard (it's been roughly a month). Next step? I reported them to the FTC but they don't handle consumer disputes. Do I contact my AG, the AG in NY (where they are), the BBB or what? Thank you.

There is nothing in the law

There is nothing in the law that requires them to respond to a DV on your timetable. So no violation there.

lrhall41

Submitted by SOAPLADY on Thu, 03/07/2013 - 20:33

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Do you believe that the debt

Do you believe that the debt is not yours? Did you send the Dv to RJM via CMRRR? You should dispute the TL with Experian again and cite the fact that RJM never replied to your DV request. If nothing works and you are sure about not owing the debt, file a complaint with your AG and the FTC for FCRA violations.

lrhall41

Submitted by Steve Barris on Thu, 03/07/2013 - 19:09

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They never sent me a dunning

They never sent me a dunning notice. They've never contacted me. They've just put this on my credit within the last 3 or 4 months. The estimated date of removal is 11/13 so this is allegedly almost 7 years old.

I know it isn't mine, I've never ordered books except from Amazon and Borders. I am more interested in them getting in trouble for this as this is fraud on their part.

lrhall41

Submitted by justmindy on Fri, 03/08/2013 - 06:05

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