You betcha! however you might wanna make sure and wait for another person to confirm it as I am not confident. Better yet, why don't you call the Discover Card guys because they can help better...

Gudziel - I'm assuming that you meant that you sent a dispute to the CRAs first?.

Then a DV to AA?.

Although I'm then confused why you would send something else to the CRAs - unless they came back verified?.

Edit:.

I am in the same position sorta.. I sent request for validation with a limited C&D. got a printout of what details they had (crap).

Only prob with me is, I havent done anything since then.. and they are still on my TU and EX reports. I have been getting settlement offers in the mail since then but thats about it..

This post has been edited by sedric1: 25 January 2010 - 06:51 PM..

I'm sorry for all of my mixups with verification/validation with the CRA's! We know that CRA's verify, OCs/CAs validate. Also, sorry if you don't agree or have a problem with the steps I stated above. But it worked for me and if it worked for me to remove a pretty difficult CA and I would suggest they do it as well, because even though it was out of the 30-day initial contact timeframe, it still doesn't hurt to try and get them to reply to your letters. It still sets a papertrail which can be used when contacting the BBB, FTC, state AG's and others. This is especially useful when they are obviously placing erroneous information on a TL "F.C.A." as loan type, which they are known for.

I have a Discover C.O. TL which I've attempted VERIFICATION with the CRA's and has come back verified each time. I've also sent VALIDATION letters to Discover numerous times but they refuse to answer. They have no reason to answer me due to the fact that I am outside the initial contact timeframe. So there is not much else I can do right now than wait for them to fall off later this year..

But with AALLC, once they've replied to me concerning validation letters, and I sent them a Dispute 623 letter concerning that loan type and asked if they could not explain the reasons for placing it as such, then they must remove it. And I sent my papertrail to the correct agencies which helped as well..

So once again for newbies, sorry for the use of incorrect terminology concerning this thread. I know what I'm doing, just not thinking about what I'm typing while at work...

1) CRA's neither verify nor validate. They simply report what is given to them by the OC/CRA. The only thing you can do with a CRA is dispute. It is the OC and CA who do the actual verification/validation of the information when a dispute takes place..

2) Discover is an OC. The 30 day Validation rule is discussed in the FDCPA. The FDCPA does not apply to an OC, only to CA's. This is why Discover has not responded. A proper request for information from an OC would be a 623 letter..

It may sound like I'm being technical here but one of the most common mistakes made by newbies is mailing the wrong letter to the wrong entity because they don't completely understand what they are sending and why it should go to whoever they are mailing it to..

This post has been edited by jtoast: 26 January 2010 - 11:31 AM..

1) Hmmm.... it was my understanding that CRA's verify the information that the CA/OC has furnished to them and then sends their findings back to you??? You ask the CA/OC to provide validation of the information that they are furnishing to the bureaus with a DV??? I remember the discussions between the two discrepancies before I joined the boards and the difference between the two, or at least I thought so??? Can anyone else chime in here for a clarification for me?.

2) I sent Discover, Jen or Beli suggested, the 623. So what now???? And if the 30-day validation rule is discussed in the FDCPA and only pertains to the CRA's, which is what you typed above? Then why is a CA required, by law, to provide validation of an account after a consumer has sent a DV within the initial 30-day timeframe upon receipt of initial contact from the CA's? I was unaware that I had to respond to this debt within 30-days to the CRA, which is what I am gathering from your explanation highlighted in red above????.

To be honest Jtoast, you can discuss this with me in a PM to apparently clarify my stupidity with this. I just know that I got rid of Asset with what I did in my first post. I'm sorry even typing up the words VALIDATION/VERIFICATION. If the OP would like, I will post here, verbatim, all letters/disputes I sent and the dates I sent them and everything so that I can clarify EXACTLY what I did. This is honestly draining. I've followed the boards suggestions to a "T" and have removed 7-8 OC/CA TL's along with 2 Medical TL's.

I looked back in my HUGE binder and see that the only letter I sent to Discover was a 623 Dispute after sending the CRA a letter (whichever you feel like calling it) disputing the info in the tradeline. They still didn't respond to my dispute, so take that as you may.......

Sorry OP for the side track of your thread. I did what I did by following Psychoc's Seminars..

First letter sent to CRA at certain points of the tradeline.

Second letter sent to AALLC (out of SOL) asking for proof of the account (no response).

Third letter sent to CRA immediately after AALLC signed CMRRR at different points of tradeline.

Fourth letter sent to AALLC picking at a more specific point (Factoring Company Acct).

Received letter stating that after internal investigation, no records of reporting to bureaus any account.

Received "Debt VALIDATION" from AALLC stating EXACTLY what you got from them.

Complaints sent to Michigan/Pennsylvania AG's and BBB with papertrail with FTC complaint.

POOF!!! Gone.

There.....

ETA: I'm definitely not trying to get snippy with you J. You've helped me out a lot in the past. I know I just sent the correct letters to the correct people. Just a bit upset that this got stretched out as it has for my validation/verification placement..

This post has been edited by Gudziel: 26 January 2010 - 12:18 PM..

OP..... READ HERE.

Http://creditboards....howtopic=415400.

This is a link to my thread about AALLC from beginning to basically end. It states the help I received from Jen and Dragonflyer, along with copies of my letters as well as letters I received from them. Also it contains examples from them both with suggestions..

I hope it helps and sorry for derailing your thread...

Hey, don't sweat it...like I said, it's a technical wording thing, I understand what you are saying and I'm not perfect either as evidenced by my typo mentioned below.

The key point I was making is that using the word "verify" in a letter is not the same as using the word "Dispute" in a letter and all letters to a CRA are "disputes." I also wanted to point out that that the FDCPA does not apply to an OC an so using a method specified in that law (DV) is not going to help you. An OC is, however, subject to the FCRA which is where the 623 method comes from..

You have to use the verbage specified by the law you are trying to force compliance with in order for your letter to have any teeth..

CRA in #2 was a typo. I edited it as soon as I saw it....meant to say CA, not CRA..

This post has been edited by jtoast: 26 January 2010 - 05:40 PM..

Thanks for the clarification actually. I'm preparing letters myself - based off your work and some other thoughts ive gathered from those here..

Question: is it common (or not uncommon, lol) to have 30+ pages of info, plus the letter that you send to the AG's and BBB? I did this yesterday w/ Midland, and am preparing to do it w/ Asset as well. I sent them ALL of the correspondence between us, certified mail receipts, offers, etc. Online complaints w/ the FTC, all that. Just wanna know if I'm the only one doing complete overkill or not...