I would like your opinion in a matter I am having with Columbia Collections, they are a local collection company with offices in Milwaukie, OR. Last year they put 2 collections on my credit report from Medical bills they say I or rather my wife 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. I was then called and left a message on voice mail by Columbia, 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 they have been calling again leaving messages and once 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 and it has lowered my credit score by them doing so. Do I have a case for violations of the FDCPA, as well as the FCRA or anything else to stop these guys.
Thank you in advance,