I sent a letter to a finance company who listed a debt as a charge off on my credit report. This was a company I had a loan through in 2000, however, i paid the balance off. They are listing a small balance as a charge off....!!! Also, the company i took the loan out with in 2000 is no longer under the same ownership or name, yet the new company is listing the debt.Today I recieved a letter in response to my rights under FACTA for proof and verification of this debt. It stated that they could not help me with that information unless i send them something with my signature. Sounds sort of bogus to me!! I know since they are not a CA its not the same laws....how should i proceed?? They have already verified the debt as VALID with TU and EQ. Thanks!