Yes sir! however you might want to make sure and wait for another member here to confirm this as I am not sure. Better yet, why don't you email the Lending Tree guys because they can give you an answer better...

Thanks Robin,.

I also have another question to your reply then. If they have not reported the account as in dispute, is it required by law to put it into dispute on my credit report?.

If they did not by law report the account as in dispute do they have to remove the item and report to the CRA ? .

Thanks alot Robin...

They are required by law to mark the account in dispute when they receive a letter of validation/verification from you. In the content of the letter there is a sentence to the effect that "this is not a refusal to pay, but a notice that this debt is diputed." If they don't mark the account in dispute they have violated the FCRA and it is a $1000.00 fine. You can take them to court on this, but you won't have to because you can simply use this as leverage to get them to delete. Let them know you are not sending them any further information, you have supplied them with everthing they need to know and further upon inspection of your credit report you have noticed that they have not marked your account as disputed as is required by the FCRA and the penalty for this violation is $1000. You can let them know you fully intend to file suit against them if the account is not deleted from your credit files and proof of such deletion in the form of a copy of the UDF is not mailed to you at the address specified in the letter within 10 days of the tracked and confirmed receipt of this letter...

Great thanks a bunch =) you have helped me alot,.

Thanks again Robin for your help.

Memo =)..

Hey Robin,.

Sorry to bug you again, where can I get a format or a sample of this letter? I looked on the sample letters on this site , but it does not have one explaining my situation. Do you know of another link or have a outline I can use to send them?.

Memo..

Do a search for "intent to sue". You should find what you need with that...

I recently had a discussion with Discover about a charge off. When I called them they only asked me for my account nunmer and the purpose of my call..

THey did ask me what my current address was,very sneakily, but I declined to give it to them. They didn't maka a fuzz over it at all...

I think another letter disputing as per the FCRA is necessary. A validation letter was sent referencing the posters rights as per the FDCPA, which an oc is not obligated to respond to. So, unless the validation letter said something about disputing per the FCRA, I really think another letter is in order before any lawsuit claims threats are made...