Both, would be my guess...
so am i sending a complaint about the CA still reporting without validating, or about the CRA? TIA
so i get a response back from the CRAs to remove the collection after they didn't validate, EX, TU are "investigating" EQUIFAX sent one back saying verified, and conveniently the CA sent a letter saying "this prove this is yours", one page that has a cingular name in the left corner and just has a page that says the amount and past due? is this considered validation? it looks like a legit paper from cingular? however the page they sent says "1 of 3" at the bottom and only has one page? help again? i'm sending the MOV letter