Before finding this board, I attempted to validate with a few original creditors. That was 45 days ago and I have heard NOTHING from several of them. Are they in violation? I did have one utility company validate and tell me that they were not bound by any laws since they do not sent their delinquent account to agencies, but keep them "inhouse". Is this true? On to TU. I sent letter requesting validation. They recvd letter on 7/18/03. On 8/4/03, I recvd letter from them requesting more info as well as telling me my dispute had been forwarded to a different TU in NY. I sent out a copy of my DL and current bill with address. They recvd this on 8/8/03. On 8/13/03, I recvd another letter saying my info had been forwarded to the NY place again. When is their time up? Did the time start when the first letter was recvd by them (7/18/03) or when they recvd the info they requested? (8/8/03) I appreciate any and all help. I don't want to "drop the ball" because I allowed them to intimidate me!