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I just wanted to give a quick update on the situation. Wow, I never realized just how epic my original post was!
This is still listed on my CR, but has since passed the SOL point for my girlfriend and I. So now, let's just say the CA is SOL as well.
A month before the SOL was up, I finally got a packet from KTSJ to "validate/verify" the account. What was in it?
I typed up a massive letter to them stating my case, but in the end I didn't send it. Why bother? I was/am tired of being jerked around by these idiots.
I didn't hide but I didn't back down, either. They could have filed suit but they had literally no case, and no documents to back it up.
The real kicker? The "itemized" letter listed that they replaced carpet that was -1 (negative 1) days old, so they could charge me 100% of the replacement cost. That is FRAUD under any name -- a $1200 LIE!
Now that months have passed since the SOL, I feel very free to do damage control. I'm not willing to do a PFD with them, but I will try for a GW letter. I can also dispute with the CRAs, but so far it hasn't helped any. Side Note: I recommend not using MyFICO's dispute creator as it was less effective than me simply writing a letter to the CRAs. I'm preparing a BBB complaint against OC and CA as well, to hopefully put an end to this craziness.