School loan debt validation agreed in 2020 then abandoned for years
HP Sears agreed to validate a school loan debt in 2020 but failed to follow through after years of waiting. The agreement to validate creates an implied obligation under FDCPA but enforcement requires the consumer to re-file complaints. Long timelines with no enforcement make agreements meaningless.
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Similar Problems
surfaced semanticallyDebt collector ignores certified letter requesting debt validation
Consumer sent certified letter to HP Sears requesting validation of a school loan debt on their credit report. The collector received the letter but provided no response within 30 days, violating FDCPA requirements. Individual regulatory complaint.
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