1> Sent a C&D letter on a SOL debt stating the SOL is expired for the account and not to contact me via mail or report on my credit reports. They reported on my report and re-aged the account. STUPID!!! Note: The collection letter did not have the original creditor's name. 2> Next. I sent a validation letter and they have 8 more days to validate, then Estoppel. Oh, they verified during the validation process when I disputed the TL as "not mine". They marked the account "Checked". STUPID!!! They have not yet marked the account "in dispute" or provided the original creditor's name STUPID!!! 3> If they don't respond to the Estoppel, I will send an ITS and also send a removal letter to the CRA. I don't mind suing these bastards. It will be fun. Question: I've heard that RMA is in bed with Equifax. I am wondering if the removal letter will is worth it? Note to newbies. When you start the validation process and they don't respond in thirty days, or the Estoppel letter, or ITS. Be prepared to sue. This is the ugly part of this process that you can't avoid.
