Quote:
|
Originally Posted by Jerseee
Thanks Jon. All, I will pose this statement to you as if you are a debt collector or the CRAs asking you to do a dispute form, how can/would you respond? statement:
"I cannot confirm or deny, accept or reject, any alleged debt that is/has not been verified by your organization. This is not a dispute nor a refusal to pay an alleged debt. To dispute this alleged debt would nullify my due process and put me into dishonor. Therefore, certified verifcation is needed so that I may stay in honor and immediately satisfy the alleged debt or address the potential fraud. This is in accordance with USC 15 Chap. 41." How would you respond? (if you could)
|
I don't think you need to explain why you want the items disputed if you show them the law which requires them to verify it.
If I&have read their law right, the failure of the&<U>CRA</U> to verify&the debt would constitute a violation of&due process.&
Sec. 1681I Restrictions on investigative consumer reports
Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
~~~~~~~~~~~~~~~~~~~~~~~