I ordered a copy of my credit report and found a debt on it that I do not believe that I owe. I sent a letter to this collection ageny requesting to validate this debt. I just got a response stating that the do not have to validate since the law provides that unless you demand validation of the debt within 30 days of the receipt of their first letter to you they are entilted to assume that the debt is valid. I have never received any letter from this agency. What can I do?

Write to the credit bureau and tell them to remove it since you do not believe its your debt. The creditor, however is correct, unless they attempt to sue at which point they would have to produce validation.

Now this is just me, not an attorney speaking, but I would send them a response that since they will not provide proof of the debt you have to assume it is not valid. And that they may sue you if they wish, and in court they will have to prove the debt is valid.

If I knew it was not mine, I would just refuse to pay it under any bill and demand my day in court if they refuse to prove it is valid.