WhyChat.. 48hour "validation"

[wayhigh]

Whychat,

 

As per your recommendation I sent a letter very similar to the following:

=========

Dear CRA,

My name is xxxxx xxxxxx , my SS # is xxx xx xxxx.

I am sending this dispute certified mail # xxxx to make sure you receive it.

I have no knowledge or records of account # xxxxx on my report # xxxxx.Please advise me as to the name and address of the medical provider, the date of service, to whom the service was provided, and what it was for. If you can get this information, I also would need the name of the person providing this data, and the manner in which it was provided.

Very truly yours,

 

xxxxxx

=========

 

I received a 48hour turnaround on the "validation" by the CRA. Given that they couldn't possibly have validated by mail in 48 hours and they haven't provided the other things I asked for.. what's the next step?

 

Procedural request with notice of FCRA violation?

Going after the creditor?

 

Obviously they didn't do squat.. but I'm trying to think rationally and not simply with an aim towards litigation.

 

Thanks,

WH

[foolsmission]

Sounds like an automated Verification

http://www.cdiaonline.org/eoscar/index.cfm

[wayhigh]

Too bad for them. I'm a resident of a state in US 4th District where Johnson v. MBNA America Bank's appelate court decision is binding.

 

Basically, that states that an OC or CA MUST do a proper investigation or reinvestigation and cannot just rely on facts they have been told or believe themselves to know.

[foolsmission]

You know, Court Docs show they spend a whooping 75 cents per investigation sometimes.

[wayhigh]

Wow.. that's nuts.. of course.. that's also how they stay profitable.

 

Can you imagine working for one of those outfits? I think I'd want to shoot myself within the first week..

 

WH

[jrychcik01]

I just posted somewhere else regarding this exact same issue. I sent the same letters to EQ regarding some of my fiancee's medical bills and received info via mail in the matter of 7 days. EQ sent the name of the collection agency address and phone number, nothing regarding the original creditor, etc. Now what do you do?