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Is Reporting To Bureaus Considered Collection Activity ?

Date: Mon, 04/14/2008 - 11:10

Submitted by anonymous
on Mon, 04/14/2008 - 11:10

Posts: 202330 Credits: [Donate]

Total Replies: 8


I live in Texas and have a few accounts that are past SOL. I am wanting to send Cease and Desist letters to STOP ALL COMMUNICATION AND COLLECTION ACTIVITY.

There seems to be conflicting information whether or not a negative item on a CR is collection activity. I'm looking for the right wording and maybe chapter and verse of FCRA and/or fdcpa. Case Law also if there is any.

Thanks A Bunch. I have learned quite a bit from this site in the past few months and any help is appreciated.


If it is considered collection activity, should I expect them to remove the entries when I send a CEASE and DESIST letter. I know they won't like it, but if they are to CEASE and DESIST from all collection activity that is what I want them to do.

Thanks


lrhall41

Submitted by on Tue, 04/15/2008 - 04:27

( Posts: | Credits: )


I am under the impression that it is considered collection activity only in the context of a debt when validation has been demanded, but not provided...therefore, a cease and desist letter will probably not work (after all, such a procedure would run contrary to the purpose of a CR: creditors evaluating the risk posed by a potential borrower). DVing the CA is the first step.


lrhall41

Submitted by Morningstar on Tue, 04/15/2008 - 04:58

( Posts: 1633 | Credits: )


This pertains to Cash Call. I have CC on my CR. But..I have a CA, on my CR who NOW 'owns' the loan. Should I send out a C&D letter to CC, so they can remove it from my CR?


lrhall41

Submitted by sdchargers_63 on Tue, 04/15/2008 - 06:52

( Posts: 1798 | Credits: )