"I pulled my credit bureau report, and I discovered that you claim I owe you a debt. Under § 809 of FDCPA, send me validation of this debt."
I would add to it.....To validate send complete documentation including MY signiture
almost forgot....do not sign it just type in your name. DO NOT give any other info.DO NOT talk to them on the phone! everything in writting.
paid collections can stay for 7 years (from DOFD)
check your PM...top yellow thingy