How do I validate an OC? I know the FCRA doesn't apply to OC, but perhaps someone knows how the Fair Credit Biling Act may apply? I mailed a Val. letter in Jan. to JC Penney's/Monogram and got no reply. I then filed a complaint with the NM Att. Gen's office. They sent 2 letters to them and I just got a letter saying that they will now look in to it. Perhaps they broke some laws? Do they have to validate a credit listing? Where do I go from here? I was thinking of sending a letter saying: I know that they have broken the law, but I will stop all legal action at this time if they will simply delete this account. Problem is, they may not have broken any laws, I don't know?
