Yes it's a violation if they knew it was in dispute and didn't report that fact to the company they sent it to, it would violate my state consumer protection laws.
IN FACT, one statute says it's a violation to notify someone that you'll communicate re: the debt without
including the statement that you'll include the fact that the debt is in dispute.
That's what an OC just did, they said they were going to send it to a CA.
They sent it to the CA who listed it, but not as disputed.
The OC willfully violated my states consumer protection law. This one case is very specific they said they'd send it out (without saying they'd include it as disputed). Then they sent it out. It appeared on my CR as undisputed.
Similar protection is affored by FDCPA 1692e(8)
Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
That's right folks I am claiming that if an OC or JDB knows a debt is in dispute if they send it out they have to tell the CA "It's already in dispute".
Unless, you can show me a case site saying otherwise this could be a big door and I'd look at those initial communications between the OC and CA.
Of course, I'm sure some of you have thought of this and tried, huh?
