My first question is; is this true?...are they not governed by the FDCPA? Second of all, if it is true, what should be my response? Is there a section of the FCRA that I can counter with to ask for validation of a debt that they are reporting? Certainly there is some law somewhere that says they must prove, not just by verifying my address or social sec number, but actually validate the account if I request them too right???