Beach, You need to ask NOAH or another pro. This is my take:
No one can deal with the CRAs on any of these problems. They take their orders from CC CA and other creditors.
I take it that you have already sent a DV to them.
I sent mine & copied Noah's with the statue. I also asked for doc.with my signiture & complete history, this was in addition to all the reg. things required by law.
I have not heard back yet 30 days are not up. IF I do not get what I asked for or do not hear within 30 days, on day 31 I will send the next letter...stating that they did not respone and they must by, statue, stop all collictions,including reporting.(of course this letter will come from this site also)
After that if they continue I will again ask Noah or another PRO what to do next. I know that I can sue them myself for any violations in state and federal court. I think most of us just want them to go away BUT I will sue if I have to.
There are also consumer lawyers out there that we can use.
I am going 1 step at a time, or I would lose all my hair.