Tate & Kirlin Associates Reported to credit bureau without waiting 30 days for me to dispute account ripoff Philadelphia Pennsylvania

""Well on August 30th, they reported my account to the credit bureaus. I know this because I subscribe to a service that lets me know of any changes, etc to my credit report. They reported a disputed account to the credit bureau and did not allow even 30 days from the date of their initial letter to me. ""

You wrote them a letter that disputed the account. The Fair Credit Reporting Act requires them to report the debt as disputed (if they normally report such accounts to the CRAs.)

DO FOLLOW UP this! If they cannot validate the debt withen 30 days of the date that they received your letter, then the FCRA mandates that they must inform the CRAs to DELETE this credit line from your files.

Do NOT forget to follow up this with a letter to them.

Good luck.

Most attorneys offer a free phone consultation, I would contact one. I am in the process of working on a pro se complaint on behalf of my husband. I've found no class action against these guys, they appear to be a small-time purchaser. I second the need for a class-action...

BTW, make sure you file complaints with the BBB, the FTC, your state's Attorney General and PA's Attorney General. Enough contact concerning these clowns and they will investigate.