To the oldies: I am a bit confused about the validation process. I sent a validation letter to the OC but have yet to hear anything back. It has been past 30 days, but from what I have previously read on this board, OCs are not required to validate. Right? Well I have also disputed this with the CRA but they verified(Equifax). How can they verify when I am almost positive the account does not belong to me. Is there anything I can quote to get them to validate? Also, what exactly am I looking for when asking for discription of procedures used in the investigation from the CRAs.
