Dispute Help Needed

[Hanshi]

Hello I have a Collection Account on Transunion from Plaza Services and apparently they only report to TU. 

 

I have never recieved a dunning letter from them or any letters. I have lived in the same address 15 years. 

 

I sent Plaza Services a letter for proof etc with no word back and disputed with TU. 

TU came back as verified today with no other explanation etc.

 

I could use help from here as I haven't had this happen before with a dispute. 

 

Thanks

 

 

[legaleagle2012]

Technically, debt validation per the FDCPA does not apply until they send you a dunning letter or sic a CA on you. Is the debt legit? 

[Hanshi]

It may be be an old Payday type but I have no idea if in statue of limitation still lol I sure don't want to call them.

 

I don't know what I can do with TU and not get this cemented on?

[Hanshi]

Any ideas of where I should go with this from here? Of course all letters and disputes have been sent certified. 

 

All help is appreciated

[hegemony]

what means did you employ with the TU dispute?

[Hanshi]

54 minutes ago, hegemony said:

what means did you employ with the TU dispute?

 

55 minutes ago, hegemony said:

what means did you employ with the TU dispute?

Hello, I read back through and did not see anything about "employ with the TU dispute"  unless I missed something lol

 

Thanks for all help

[Pam]

How did you dispute with TU?  

What data in the tradeline did you dispute? 

[hegemony]

as Pam clarified, how did you conduct the dispute? online? phone? letter? homing pigeon?

[Hanshi]

Hello I wanted to clarrify and update. i disputed by certified letter. Tu said they wouldnt remove but now it has béen removed from my reports. X my fingers and if its readded send a reinsertion letter.

Thanks