I recently sent a validation letter to NCO Financial Systems, the collection agency assigned to an old defaulted card. They did respond - however, they stated that my account had been closed, and that they did not make a report to any credit bureau. They directed me to contact the credit card agency.
Now what? Do I send a validation letter to the originating credit card company? I really want to get this cleared up and off my credit report.
Thanks for your responses!