Thanks DeltaOne81 and Nancy for the great responses. These links are terrific. I will save them for the future.I wrote my own letters already though, of course not as professional and legal sounding as those, but they were clear and to the point. Three went to 3 collection agencies over a year ago (how 3 got involved I don't know). Two of the 3 closed the matter, and sent me a response to that effect. The last started reporting me as "in collection" only after they got my letter. I wonder if sending them the letter was my mistake as they then knew of my existence and like the Borg will never relent. At least for 7 1/2 years.I have just yesterday sent letter to initiate an inquiry into the debt through the collection agencies. Perhaps they will resolve it to my satisfaction and all my fury that I should have to do such a thing will pass and I'll recognize that this is just the way our flawed system works. If they do not, I am the kind of anal retentive type who will fight back with them. I found a link in there too to an ebook on suing the credit reporting agencies.Maybe this will all make an activist of me and I'll dedicate the next decade of my life to credit reporting reform and start organizing the million credit consumers' march.Shirtless1
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