My DH has a collection account from Affiliated that we think is for an old gym membership that he signed and authorized auto debit from a credit card. He closed the credit card and they were no longer able to auto debit the amount. It has been turned over to a CA with these amounts listed on the CR: Balance: $379 Most Owed:$528 Past Due: $360 Status as of 04/2002: Collection Account Updated: 12/2002 Opened: 02/2001 Closed: 04/2002 Should we send them a validation letter and see what type of response we get? What are they required by law to furnish to us since it is an installment sale? Should I dispute as not mine? Also, they are only reporting to Transunion. Do you think we are opening up a can of worms for them to report to all three credit agencies. I am trying to keep his Equifax clean since that is the one in Georgia that people mainly pull. Thanks.
