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Validation turned to Verification


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I received collection notices from Palisades on two different accounts, both in SOL, in December, and responded CMRRR within 30 days. The letters I sent them request validation (not verification) three times, and gave them a 30-day time limit to respond. Today, 60+ days after they received the letters, they have responded that they are "verifying" :good: my account, and placed the accounts in dispute status.

 

After reading some of the suggested validation letters here, my 30-day demand sounds weak. There is no verbage such as "...if your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately." Instead my letter says that they have 30 days "to respond to the validity of any claim you believe you may have."

 

Any suggestions on the best option to take? Since they have exceeded 30 days, should I write a demand for deletion letter? Should I go back and send a stronger validation letter? Just wait and see what sort of verification they come back with? Other? ???

 

TIA for your help!

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Wow this board moves fast. I couldn't find this thread.

 

The CRA's came back as "verified, no change".

 

If the 30 days isn't written in to law, what basis would I have for contacting the BBB or State AG's office? B)

 

From what I've read, it sounds like my best action may be to wait and see what CA comes back with, then send a second validation letter, with specifics of what I want validated. Then after CMRRR from CA gets back, send CRA a letter asking for Method of Verification. Does this sound like a good plan of action? Any suggestions on how to improve?

 

TIA!

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