No responses to my DV, what does this mean?

[optimistic1]

So I sent the DV letters out to a 3rd party Collector over a month ago. Never received anything that I asked for in my DV letter. I did send them certified and return receipt btw.

So, what does this mean?

Theories?

[StartingOver08]

They are not required to respond. However, they must suspend collections until they do respond! Or they can send back to the OC...

[treehugger1]

I've been at this for over 2 years now. With the exception of a local CA, noone ( I mean NOBODY,) except an upstate attorney firm has ever responded to my DV requests. Only the one attorney for a $2K debt with Crap1. It is likely the current CA assigned or sold the debt will either move the debt back to the OC (if assigned,) or package the debt with others they bought and sell it to the next CA (in my case, this seems to be junk-debt-buyers.) It's not such a bad sign that you have not received a response. Receiving a response could very well imply the CA is more than prepared to proceed in a legal direction.

I am beginning to think that any pressure felt by the CA may also be tied to your state's SOL. If the SOl is short (3 years,) then action could be initiated early. If the SOL is six years (my state, and this amount of time sucks,) they may simply roll the file to the bottom drawer as they have plenty of time to address it later.

By the way, I should mention that the verification I received from the attorney firm contained 5-6 copies of the last billing cycles, but they also included an account agreement from 2004. I sent a letter back to the firm and told them I NEVER opened an account in 2004. As a result, this alleged account can't possibly belong to me. I asked, "When was this alleged account supposedly opened?" After 45 days, I have received no new information. I'm probbaly in a holding pattern for a while. LOL.

Here is something else you should be aware of. It appears that particular contract collection agencies for some of the big CC's will often send your DV request to the OC. You then receive verification from the OC. Keep in mind that this does not satisfy the FDCPA, which states the response to your request for DV from a CA, must come from the CA, not the OC.

I think the entire DV and cease-and-desist telephone communications is really catching on among educated debtors in this country. I don't believe the system of debt collection is advanced enough to deal with all the possible DV's the collection firms are receiving. And, since EVERYONE needs cash right now, the DV request from the consumer might very well put you on a back burner. The CA's also need to make money, so they are certainly going to go after the low-hanging fruit. I had a collection call from AR Systems the other day (ruthless and have lost class action lawsuits in California). I finally convinced the caller that I needed something sent to me in writing within 5 days, as this was the first contact. I then proceeded to attempt to play out the CA rep for as long as I could, but he wasn't biting. I think he already decided I was costing him commision. Just some theories here.

[optimistic1]

Interesting stuff TH. thanks

[BigJohn]

So I sent the DV letters out to a 3rd party Collector over a month ago. Never received anything that I asked for in my DV letter. I did send them certified and return receipt btw.

So, what does this mean?

Theories?

Contact the credit bureaus and have the negative information removed.

[optimistic1]

What do I tell them specifically Big John?

[BigJohn]

If negative information is posted on your credit report by a collection agency and the collection agency doesn't want to verify the debt, you can write to the collection agencies, along with the letter sent to the collection agency, and have the negative information removed.

[treehugger1]

You can do some of the disputes online. If you have a dispute, then you can usually get your credit report for free. You do have to go to each of the big 3, transunion, equifax, and experian and dispute individually. I was an authorized user on some state business CC's, and had old friends and girlfriends showing as authorized users on some of my accounts, and I was an authrorized user on some friends and old girlfriends accounts. When I realized that my financial issue could result in unscrupulous CA's possibly contacting these folks, I had everything cleared from all my credit reports. Now, the only accounts that show up are only in my name. I didn't want to involve old friends in my financial issues. This is off-topic of the original post, but somewhat related. I had a BOA account sold to CACH. I never heard frmo CACH, but I did hear from their attorney in another state and 1000's of miles away. I DV'd the attorney firm and they never replied. A little bit of time after this, I noticed that CACH was reporting a "disputed" collection account. Since it's been about 5 months, I think I'll send each of the three CRA's a letter demanding that the collection account from CACH be removed from my credit report.

Keep in mind that the credit reporting agencies are having as difficult of time in this depressed economy as everyone else. My opinion is that they are more than willing to keep their "consumers" happy. Good point by Bigjohn to spend $.42+ for a letter and begin disputing.

The inquiries by these folks can be tougher to remove, but you can send a letter to each CRA explaining that these folks did not have your permission to access your credit files. If you have copies of DV request letters that were never responded to, then you should include these in your correspondence.

If nothing else, you will force the decision by the "inquirer" to respond the CRA request. Run up their bills and costs.

For CA's assigned (not owning the debt) to collect debt, I have NEVER received a response to my DV requests except for the local accounts and the one crap1 account. For the crap1 account, I alomost think they were responding to my DV request to see what my next action was. Since their information seemed to suggest I opened the alleged account in a particular year (never did,) I sent a second letter to the attorney firm with all the copies of shit they sent me denying everything, and suggesting they review their records. As mentioned eralier, no response and now approaching 50+ days. This account charged off about 18 months ago.