Company illegally reages account from over 7 years ago (that was opened fraudulently) and places on Transunion report as being new, after receving my dispute. January 2003. Company ignores request for validation. Jan, Feb, Mar. Company continues sending letters, ignoring dispute. Contact company. Representative states that they don't know the dates of this account and supposedly have no record of my dispute. Asks me to fax copy of certified reciept and letter. I did so as requested. Never heard back from them. (he was SUPPOSED to call back..yeah right). Sent dispute via Transunion. May Transunion says account is correct. Says Cavarly verified what they were reporting as accurate. Sent another dispute to Transunion. Sent a letter to Cavarly asking them to cease and desist b/c no validation was provided. June TU verifies again, account stays. Contact Cavarly, leave voice mail. No return call. Sent fax to company demanding removal. No response. Send follow up letter demanding damages and deletion, threaten lawsuit. No response. June/July Cavarly ignores letters. Stops collection letters sometime back in May after I called them. Still on TU report. Verified 5/03. Send another ITS letter to Cavarly giving them 10 days to respond. No response given. Full information: Cavarly bought a debt that was at or over 7 years old. Sent two collection letters in Nov/Dec 2002. I sent a letter to Cavarly certified RRRR in December (before 30 days was up). No response from Cavarly. Account appeared on TU January 03 out of no where. As being opened in January 2003. They updated the account every month through June 2003, per TU. Contact OC, and ask about account. They have no real information except to state that the account was reported by me sometime ago (over 7 years ago approx) as being opened by someone else. (Can't be in California and NY two minutes apart from each other...I'm quick.. but not that quick, it was a cell phone account). They closed the account and sent a letter to me sometime ago apologizing for the mistake. (7 or so years ago). Account was sold in a huge old batch of accounts that were mixed up in their computer and marked deliquent. Ask OC to resolve problem, "sorry, we don't have any real records of this account, we have no way to verify anything. Nor do we deal with accounts we sold to other agencies. We can't help you, contact that company for more information or help. Click". Contact Cavarly, they don't know anything about the account except that I owe it. (They didn't even know where I lived and apparently did quite a bit of searching to find me.) They don't have my SSN but were able to piece together that this must be my account. So now it's time to sue them. They ignore me, lie and break the law. What sections have they violated? I'm thinking FCRA Section 623, but I thought that was only enforceable by the FTC or other Federal Agency...any others? I have proveable damages. I've been delaying on this for sometime and should have just sued them in April, but it's been pretty busy at work lately. Thanks for the help, if any.