Unfortunately, you have a contract issue that will most likely require legal resolution rather than resolution via any FCRA or FDCPA verification process.
You are essentially claiming breach of contract, thus voiding the asserted debt.
When either requesting debt validation under the FDCPA or inaccuracy in credit reporting under the FCRA, they must investigate and provide you a statement that they verify the accuracy, either of the asserted debt or of their credit reporting. Neither process has provisions for requiring them to provide documenatry evidence, or "prove" their stated verification, as neither process has a judge with the authority to require both sides to produce all relevant evidenct, or to make a legal ruling as to who is correct.
You can brng your own civil action, thus requiring review of evidence by both parties, and a ruling by a judge.
I suggest you consult an atty.
Should you not resolve the issue, their reported collection will become excluded from your credit report no later than 7 years plus 180 days from the date you first became delinquent with the OC. No reporting by the debt collector resets that date-certain credit report exclusion date, which is based only on the reported DOFD.
However, credit report exclusion only removes the collection from your credit report, it does not resolve the issue that someone out there is asserting that you owe a delinquent debt. If future creditors become aware of an asserted, unpaid delinquent debt, it could still be an issue.
Thus, you might still want to pursue legal action to clear up the issue of the asserted debt once and for all.
If they are what they appear to be, you might, in any legal action, be awarded punitive damages.
