I am pissed and need direction! A little background... My dh paid a collection acct. on 8/01 which he thought he may have owed, and sent the pmnt western union. They sent him a letter staing that they would report the account as "paid". We checked his credit report in March, and noticed that the account was still reporting as "collection" with balance. I asked my dh about the account, and we dont even recall owing PERIOD on this account (yet he went ahead and paid without req valid... ) After we disputed w/ CRA, they updated to show "paid" (all 3 CRA's) Anyway, I sent Docs infamous nutcase letter via CRRR, and added the following to it" After many months of incorrectly reporting the account as unpaid, you finally admitted violating the federal Fair Debt Collections Practices Act and updated the item." Then proceeded to request validation. Here is the BS response I received from the CA's "General Counsel" Please read and advise on what my next step should be (DOC??? HELP!!! "Dear Mr. dh, I am in receipt of your letter dated X/XX/XX. You (yes, typo!) letter demands "validation" of your account pursuant to the FDCPA. Furthermore, you allege (CA name) failure to meet your demands may "constitute evidence of...intent to abridge one or more civil or constitutional rights" and "may provide a basis for criminal complaints being filed." Please be advised that your request has no basis in the laws that you cite and claim to understand. The above referenced account was settled in full (bulls**&&!!We did not "settle" he paid in full) with ouragency in August 2001 with a payment of $683.16. An update was submitted to the credit reporting agencies reflecting that the above referenced account was "paid" (yeah, 6 months AFTER he paid, and we disputed through CRA's AND due to their innacurate reporting, they were a reason why he got a higher interest car loan!!!) We (CA) did not agree to delete this tradeline in exchange for your settlement of the account and you have no legal basis upon which to demand that we do so; instead, we will accurately report the trade line as "paid" Furthermore, there is no legal requirement that we validate an account with the documentation you request, more than six months after settlement of the account. Please take all further action that you deem necessary. Sincerely, Ms. "General Counsel", Esq. SO...what do you think? Where do I go from here???????