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Message
re: How to respond to Insufficient Debt Validation?
Posted on 3/10/14 at 12:27 pm to NameWithheld
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
1
Posted on 3/10/14 at 1:05 pm to Catman88
quote:
Would be curious who released the SSN too or if they just used address and name to verify.
I am fairly certain that a SSN is not required to report someone to a credit bureau if you are a company(debt collector) that is registered with the credit bureau. I'll be happy to admit I am wrong if someone can prove it, but I've seen it done in the past mostly with medical bills. Also, I've seen screw ups on credit reports b/c of family members with the same name (John Smith Jr's debt going to his dad, John Smith b/c they have the same address). If the collection agency had the SSN, there wouldn't be an issue.
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