I woul,d like to know how to deal with a original creditor? Most of the letters out there are targeted at Colection Agencies, however i have some credit lines that are being reported by the original creditor. I understand that the Federal Law is different for OC than for CA however I think that in some states such as Florida the state law applies to them. What should I do after I requested validation and I do not get one from a OC or I get a half arse validation attempt? Thanks in advance for help!