I started reading this site since I'm trying to buy a house and when I looked at my credit reports there were a lot of wrong items on it, everything basically, and they all seem to stem from one cell account that's over three years old. I've gotten some of the items removed, but I'm having problems with Equifax getting me my credit report and two CAs keep "validating" the debt with the CRAs. So I decided to fight More on that in another post. This is my THANK YOU all post, my contribution to the fight if you will. I found a number of Validation letters and forms, thanks to all those who came before and gave me the idea and basic framework, but none I liked enough to use without some tweaking. Thus was born my validation form... two pages to strike fear (hopefully) into the hearts and minds of CAs and OCs everywhere ;-) I'm in Colorado, we have our own version of the FDCPA and a CA is required to have a physical office in the state with at least on efull tiem employee and be open to the public. You'll want to edit those parts to meet your own needs. I've converted my form to text, added editing notes etc from it's original MSWord doc format. I would be happy to supply the actual form (VERSION 4 now!) in MSWord to any who want it. Just reply here or whatnot or PM me if available and I'll send it. Thanks for all the help through all the posts here! Next message is the form.