Recap: I have a 1995 charge off from GMAC on my reports. After 3 months of requesting validation and being told there is no way to retrieve the info, I sent a final letter and got a phone call today. The person I spoke to said she retrieved my file, and the charge off date should be 1996 (thus buying me another year on my report and she is sending me a copy of an old letter stating the charge off date. She said there is absolutely no way to get the item off any sooner than 11/03. Is this possible? After taking their sweet time answering me,and making me wait three months, she says this constitutes validation,and no matter what I do, I cant say they didnt send me the info I requested. I havent gotten the letter yet of course, but can I demand deletion now since they took so long to get it to me? Can I dispute this old letter somehow? I dont want to think that I have gone to this length to disprove the information (wrong info re multiple 30 day late payments) only to have GMAC win this one. I told her I think it is past the time for this to suffice, but she says as long as she sends it, they are off the hook. I didnt get into a long conversation with her, because I wasnt sure what to do or say. ANy advice on what to do now? thanks for your help..