Credit Repair - Self Help

Well, I knew they would do it. Since I sent my letter requesting validation of the debt that they contacted me about, they reported the collection to the credit reporting agencies. This is a violation of the FDCPA and TFC, and is looked at as an attempt to collect a debt and using coercive practices in the attempt to collect a debt. They have about 10 days left to respond to my request for validation. They reported the tradeline yesterday to Equifax.

They may not continue to attempt to collect the debt while an account is in dispute. I was forewarned by some others that they would for sure violate the law. Next move will be to send them a letter of intent to sue. This should probably get rid of them for good because they have nothing to gain by continuing to try and collect for this.