Should I sue the collection agency or credit bureaus?
I got a letter from a collection agency and I didn't know exactly what is was for but that if I disputed the info, I had to request validation within 30. show more I got a letter from a collection agency and I didn't know exactly what is was for but that if I disputed the info, I had to request validation within 30 days. I sent a request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that the collection agency validate the debt within the t/f by certified mail. The collection agency never responded within 30 days of receiving it, so under the FDCPA, they were supposed to delete the item from my credit report. The collection was on my credit report with the 3 bureaus.
I sent a dispute letter to the 3 bureaus by certified mail and explained that the collection agency had not validated my debt under the Fair Debt Collection Practices Act along with a
copy of the letter I sent and the returned receipt. The collection agency came back and stated that the information was verified as credit, yet the collection agency had not validated the debt.
I then sent another letter to the collection agency advising that they had violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus which they had not validated, and that they either had to remove the item from my credit report or validate the debt. The company never responded. I then sent another dispute letter to the credit bureaus along with a copy of both letters sent to the collection agency and both returned receipts, and I explained that the collection agency had not validated the debt, and were therefore in violation of the Fair Credit Reporting Act. The credit bureaus refused to re-investigate the dispute and stated that the item had already been verified.
Should I sue the collection agency or the credit bureaus or both? Who would I have a better chance of winning against?