CA Harassing
I would like to ask the forum your opinions in a matter I am having with XXXX Collections, they are a local collection company with offices in my state of Oregon. Last year they put 2 collections on my credit report from Medical bills they say I or rather my wife or her insurance had not paid from some years ago. Please excuse my lack of dates here, I am at work and do not have the dates and such with me. Anyway I disputed the entries with the CRA's, they came back verified with the CA, and listed the entries as in dispute with furnisher. We then started receiving calls and messages on our voice mail by this CA, I sent them CMRRR a request for validation and with it a limited C&D. They wrote back stating they had verified with the CRA's and didn't need to furnish me with anything. I just left it alone until lately when they have again been calling and leaving messages attempting to collect this debt. One of the times my wife answered the phone and their rep stated "you need to pay this", she said you haven't validated it and we also have a C&D please send it in the mail, he said they didn't care about that and kept harassing her till they finally hung up on her.
Now I see on my credit report they have made an unauthorized inquiry which I don't think they have "PP" to do so. It lowered my credit score a little by them doing so and they also updated the entries and dates still without validating anything to us. I think by doing a hard pull on me they may be planning to see if I'm in better shape now financially and may be thinking of filing a judgment on me. How many think I have a case for violations of the FDCPA, as well as the FCRA or anything else with these guys.
Thank you guys in advance,
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