I bow before your credit greatness. I am about to start a round of disputing with the original creditors. I don't know which ones are still owned by the original creditor and just sent to collection agencies and which ones have been bought, but if an original creditor has sold the account, they are not owed a debt, therefor they can't report a debt right? My thought is using a modified version of your famous validation letter: Do you think that this might work? (I'm including your second page pretty much exactly as worded) I get collection notices from CA's all the time, but the only things posting on my credit report are from the original creditors. These things are pretty old, and if the creditor still owns it I highly doubt that they will have enough of the requested information from page 2 and should just delete.