I have that validation letter that you posted that we send to the collection agencies. My question is, is there a validation letter that we can send to the original creditor? I have 2 old charge offs that are unpaid on my credit reports and I called both orig. creditors up and they said the accounts have been sold and they don't have the info any longer. They didn't give me the collection ageny that they both have been sold to, and there's no collection accounts on my Credit reports for those charge offs. I have disputed them but they came back verified.