Okay, so there's a little more info.
The date on the letter the creditor sent me was 07/26/07, so they definitely haven't exhausted the initial 30 days. I have sent the validation request letter, but do they have to wait the first 30 days before they can report it, or can they just pretty much do whatever the heck they want?
(Sorry about the double post, but I can't figure out how to edit a message.)
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I figured out how to edit, I just wasn't logged in before. D'oh! Had to edit again because for some reason, posting using Firefox creates a Wall 'o Text (tm).
Message Edited by phillippbo on 08-14-2007 02:39 PM