I'm also in the middle of trying to get my last CA off my EQ report. Well, I sent off validation request, they replied with a photocopy of a letter giving my balance. I replied that this isn't validation and delete or I'll see you in court. Of course, they also didn't put the account in dispute. I also sent off a procedural request to EQ, since they of course marked it as checked. Well tonight, I see a hard from them on my EQ. I have searched and read these boards high and low and I'm not really sure of the following: 1. What is the consensus on a CA doing a hard while its in dispute/validation? Some say its a violation, others say its not clearly stated by the FTC as one. 2. Is this considered attempting to collect a debt while in dispute (which isn't marked in dispute)? 3. What should I send them next? I was ready to send off an ITS tomorrow until this hard showed up. Thanks for any suggestions.