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jack1212

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About jack1212

  • Rank
    Dispute Influence
  • Birthday 01/08/2004

Profile Information

  • Location
    CB'S Witness Protection Program
  • Interests
    Official ArrowSlayer

Recent Profile Visitors

4,765 profile views
  1. jack1212

    PRA Calling me on Sunday

    Sundays and even holidays are fair game.
  2. jack1212

    Repossession Judgement

    You can dispute anything on your reports.
  3. jack1212

    Original creditor wrong?

    They are allowed to report the name of the OC. It sounds pretty old. Have you checked the collection SOL for your state?
  4. jack1212

    Payment or Settlement of Judgement

    I doubt they'll budge. I would go to my credit union and talk to a loan officer.
  5. OC can still report as a CO. However it must reflect a 0 balance.
  6. They should not be contacting friends or family if they have already located you.
  7. jack1212

    NCO Certified Mail received

    Wonder when they started sending them certified?
  8. jack1212

    Inaccurate Reporting?

    You'll need to be very specific as to what is not reporting correctly.
  9. jack1212

    closed/charge off with balance no collections

    What's the DOFD?
  10. jack1212

    CA Validation Response: Unable to Investigate Dispute

    They think you are doing a FCRA dispute instead of a FDCPA dispute. A FCRA dispute requires one to be specific about what they are disputing. It seems the 30 day deadline is what triggered this. There is no 30 day deadline under the FDCPA. However there is one under the FCRA. That's why I stress not to mention a 30 day deadline in a FDCPA dispute.
  11. I'm all for the replies here. But let me throw a monkey wrench in all this. Just a question. This is the wrong debtor. This person is not a "consumer" as defined by the FDCPA. So does the DV request/dispute still apply? I mean unless they send the info proving this is not the correct debtor, then it's worth a shot.
  12. jack1212

    Portfolio Recovery Advice!!

    What's the DOFD on the account?
  13. jack1212

    What's next after DV

    The courts, and caselaws have yet to determine what constitutes DV. But to me, a simple copy of a bill isn't sufficient. I would DV them again. Are they reporting?
  14. jack1212

    How long does a debt collector (plaintiff) have

    So it's past the collections SOL?

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