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re: How to respond to Insufficient Debt Validation?
Posted on 3/10/14 at 12:15 pm to LSUSUPERSTAR
Posted on 3/10/14 at 12:15 pm to LSUSUPERSTAR
quote:
This CAN'T legally be put on your credit report.
Out of curiosity, what is your basis for this? I am not trying to screw with you, but seriously... if you have a debt in the eyes of a city and it is reported, why couldn't you?
Considering the source of the debt, and not making allowances for validity and contesting it, the rationale would be the same for having an unpaid water bill on your credit report, wouldn't it?
1
Posted on 3/10/14 at 12:27 pm to NameWithheld
quote:
Out of curiosity, what is your basis for this?
My guesses:
1) Not a valid debt
2) Not a valid debt = not a valid trade line on a CBR. FCRA sets the rules here.
Would be curious who released the SSN too or if they just used address and name to verify.
Validating the debt with the collector is more important on what CRA determines than what the collecting agency determines.
This post was edited on 3/10/14 at 12:28 pm
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