This is one of the worst experiances I have ever had. I sent in 7 disput letters individual requesting validation that the debt on my report is legally my debt.
I never received notification in 5 days, informing me of their intension or actions that might be taken. INSTEAD, I received a new copy of my credit report notating ( Experian trusts the information that is being provided to them by PROFESSIONAL ADJUSTMENT CO. THE debt being reported are all from same collection Agency, and not legally a debt.
These debts reported are on accounts closed, duplicated, past 7 years, paid years ago. Not only that the origional company that owned the debt is closed and has been for being years, and the company trying to collect doesn't own the debt legally