"This letter shall serve as notification that OSI Portfolio Services is the parent company of Gulf State Credit, and that Gulf State Credit is the actual owner of all consumer obligations sought to be collected by Gulf State Credit. We cannot confirm nor deny any information to Marypc. She is claiming the debt is not hers, yet she is requesting copies of personal and confidential documents. To provide such info to Marypc is a violation of 15 USC 1692, as it would be third party disclosure. Gulf State reports information to the CRA's by name and social security number. If something is reporting on Marypc's credit report, it is either 1) her ss# we are reporting, or 2) an error on the part of the CRA and not Gulf State Credit. Mary pc has noted that she has sent documentation to substantiate that the account is not hers. However, our record, as well as the letter to your office, indicates that no such proof has been provided. Although Gulf State Credit originally agreed to close their file as a courtesy to Mary pc, further info seems evident that closing this file merely releases Marypc from her legal, ethical, and moral obligation. Thus the account has been reopened under the original name of Marypc. (AKA Mary Smith) It is not the error of Gluf State and cannot be corrected by GulfState." So this is the response to my validation letter and letter to the atty gen'l. I should add that this account was added to my cra with a completely different name than mine, which I was never "known as." I contacted themand they couldnt even look up the account, as they had no info on me at all. Anyone know of the correct addy to serve court papers on this entity? I want to "live up to my moral and ethical obligations" by taking their lying asses to court. Sorry this is so long.