Did you specifically ask for validation of the alleged debt?
You just happen to live in the most debtor friendly State in the USA.
By law, no matter how long you wait to request validation, they are required to provide validation. Texas is the only State that requires it.
As for credit reporting, they are only required to report accurately. Read up on the FCRA.
Also read up on the FDCPA and Texas state law. You are about to find out just how great Texas really is!
Ladygarner, yes I did specifically request validation. And unfortunately I noticed after I'd sent it I included WAY too much verbaige based on nearly all of the recommendations here, but it was too late. My letter included the over the top cut and past from the internet (although I changed up the mojority of the other language, but still):
•What the money you say I owe is for;
•Explain and show me how you calculated what you say I owe;
•Provide me with copies of any papers that show I agreed to pay what you say I owe;
•Provide a verification or copy of any judgment if applicable;
•Identify the original creditor;
•Prove the Statute of Limitations has not expired on this account;
•Show me that you are licensed to collect in my state; and
•Provide me with your license numbers and Registered Agent.
They, of course, didn't answer any of it other than 'yeah it's yours, too bad'.