Kdaddy,
Please let us know what reply your letter garners. I have had a debt "verified" that did not have my SSN, or first or even last name matching on the account! I disputed with Experian online and the debt came back as "verified" two days later. I called the creditor directly, and they admitted having no idea how or where this account became associated with my credit report. They had no record of it being investigated on Experian, and as the lady told me "even if they had called, there's no way we could have verified anything because we don't even have an account number like the one associated with this account in our system!"
Highly suspicious...
I sent my own version of a demand for full validation and reporting of the investigation process they undertook, but didn't quote any portion of the FCRA in my letter. Yours would definitely give me a "pucker factor" if I received it!
-Ivy
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