LHR refusal to validate
Sunday, May 03, 2009
My letter to LHR regarding its refusal to investigate my client’s collection dispute
Just when I thought I’d seen it all.
I’m getting used to collectors sending letters demanding documentation INSTEAD of complying with the FDCPA.
They should cease collecting UNTIL they validated the collections after receiving disputes.
Credit reporting is a collection activity.
Collectors rarely verify with the credit bureaus without notice of dispute anymore and it is shocking to see LHR categorically refusing to investigate that an account was paid or settled unless the consumer provides proof. And that is ABSURD, since the FDCPA clearly states that the collector needs to validate the account after receipt of the dispute.
Maybe a payment was not properly applied.
It’s amazing how creditors and collectors can make “mistakes” when calculating balances.
So I called LHR last week and I spoke with Noelle Polk. She claimed to be the manager and INSISTED that “the law” requires consumers to provide proof of payment. Obviously, I strongly disagree.
Ms. Polk told me that they “researched” me after receiving my power of attorney and they “know all about me”, including that I’m “new” to the business and don’t know what I’m doing.
So, instead of investigating the consumer disputes, LHR takes the time to “investigate” the people/companies submitting their power of attorney. You have to be a real genius to not know who I am and what I do even if you spend only 20 seconds searching the web.
From the LHR website:
LHR Inc. named as one of the 5000 fastest growing private companies in America
As usually, the most corrupt companies are successful. How can a collector who COMPLIES with the law stay in business when most of the large collectors and debt buyers don’t give a rat’s ass about the law?
Of course they can afford to pay more for debts or work for lower commissions when they harass and intimidate consumers into paying and destroy their credit with no regard for the law.
It is so PROFITABLE to ignore the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
I wish I had started the new FTC complaint site a lot sooner.
I sued IC System, but I doubt that they changed their collection practices.
NCO made the $2,500 offer of judgment, but they’re not going to change who they sell credit reports to over $2,500. NCO ignored my demand letter for running my credit and I expect NCO to continue to ignore demand letters. Too few people file the lawsuits. It’s more profitable to ignore the law.
So I really hope that the “Obama FTC” will start issuing opinion letters again and that the FTC will INVESTIGATE complaints about SYSTEMIC violations.
Here’s my fax to LHR manager Noelle Polk:
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