My husband had a car repo'd (voluntarily, although it doesn't show that on the paperwork) in July of 1996, but the account wasn't placed for collection until April of 1999. When I wrote asking for a validation, the CA sent a ton of paperwork, including the following: - A credit application for financing the contract with my husband's name forged on it (it doesn't even REMOTELY resemble his signature); and - A copy of a return-receipt card along with a copy of an intent to sell letter - the card has no "received by" name OR signature, and we didn't get this letter until we got this copy from the CA. Now, I already know that according to the FTC, this debt will have to be aged 180 days from the first delinquency, which was May 1996 (when we told them to come and pick up that POS), because they didn't send it to collections until 1999. But, is there anything that can be done about the two issues that I listed above? It doesn't seem right that we have paperwork with a forged signature, and a return-receipt card that NOBODY signed, and a letter we never got. Can someone please let me know if these are things on which we can take action? Thanks!
