Verification Letters...Then what

[srjjames]

If I send verification letters to the collection agencies, and give them a certain amount of days to respond and they do not respond...how do I get the Credit Reporting Agency to take the late payments off my report? How does this work?

[30daylate]

I would send a letter to the credit report bureaus as well saying that they didn't respond. I would also send another letter to the collection agency saying that since they failed to respond, they should stop reporting it on your credit report.

[Lian]

Unless you live in Texas, there is no period for response to a DV request. Failure to respond to a DV request carries with it the requirement that the debt collector cease collection activities unless and until such time as they may choose to respond.

The CRAs are not part of the DV process. DV is a debt collection practices statute under the FDCPA to which the CRAs are not a party.

[30daylate]

CRA can still take things off a report if the CA isnt doing things properly and if the CA isn't responding to you.

[Lian]

Yes, if a dispute is filed that, upon investigation, shows reported infromation to be inaccurate. CRAs dont take independent intiative to delete.
The CRA does not get involved in lack of debt collector response to DV requests.
What specific statutory provision are you referring to when you state that they can "still take things off a report?"

[30daylate]

Fair Credit Reporting Act

[Lian]

Relevant sections, and grounds?