Note: Last year he paid a Credit Repair company to work on his credit (BIG Mistake/Waste of Money). So, I'm not sure what they exactly did or didn't do. What I do know is that this Stellar Recovery is showing, and sent letters. I sent out a letter demanding validation CMRRR, and have not received a response. Should I: 1.) Dispute this to the CRAs, stating the information is inaccurate, and that the CA never validated the debt, and enclose copies of the letters with RRs? or 2.) Send a letter to the CA, again demanding validation, with a copy of the original letter w/ rr? 3.) Both? From what I've read, there really isn't anything the CA HAS to do regardless of whether or not the validate, besides stopping collection activities. Basically, they could stop the activities, but the debt still would show on the CR...am I somewhat correct on this? Any advise would be appreciated. Please help me with my next plan of attack!