Posted on
November 26, 2009
at
4:22 am
Recently had a collector turn a case over to the Credit Bureau after I sent them a reguest for validation letter(all certified) and them never validating said debt.I have lost roughly 75 points on my Experian report due to this action and I am now considering a small claims case against them for Libel....any thoughts?
Posted on
November 26, 2009
at
4:51 am
"a collector turn a case over to the Credit Bureau"You mean they've reported it to the credit bureaus? Have you tried contacting the bureaus? I think you can dispute the infos instead of filing for libel..
Posted on
November 26, 2009
at
4:55 am
I am not sure if losing points on your credit score is considered a valid FDCPA claim ...or if that is considered a violation or an actual damage ...
Posted on
November 26, 2009
at
4:58 am
If nobody can validate that debt - they should stop contacting you. If they don't, after you've written them a cease and desist letter, then I think that's a clear violation. You can report that one.
Posted on
November 27, 2009
at
1:39 am
In the first place I do not think that credit collections representatives are allowed to report any delinquencies to the credit bureau. That is the responsibility of the creditor.
Posted on
November 27, 2009
at
3:50 am
This has been an on going situation and I followed all of the proper rules in disputing this said debt.The amonut in question was $91.67 and dated back to 2003.I spoke to a woman at the collection agency asking about why it had not been validated and she told me it was not worth the trouble or monies to validate the debt SO it was being dropped.I have a program where I get notified if there have been any changes to my Fico scores and low and behold there was this $91.67 showing up...I asked her,ok so you never validated the debt yet turnt it over to Experian and caused about a 75 drop drop in my score?The woman said it could take 30-90 days to drop off of my report.I am livid about this and was just asking if anyone thought I had a case in small claims.Libel is a printed broadcast defamation and thsi certainly was that.If I was to seek out a loan it certainly would effect the cost of that loan.It is not about the monies and I am willing to go through the process of small claims...this is about undoing a wrong and making this #$%&$$&&$ collection agency accountable for their illegal parctices.
