I let a credit card go into default in the tune of 17k in 2006. 3 different collection agencies contacted me about collecting the 17k, but since I don't have that kind of coin, I didn't do anything with them. Now, 4 years later, I'm getting a collections letter from the great Asset Acceptance LLC., for 33k. I've sent them a certified letter pursuant to FDCPA 808., requesting validation and the only thing they sent me back was a letter stating they investigated it and it's correct. So I sent them a second certified letter once again asking for validation, telling them that a simple sheet they printed stating it's valid is not sufficient by any means and outlining what they need to send, and again, they sent me their "we investigated and it's valid" reply. So at this point I'm sending the 3 credit reporting agencies letters to dispute it hoping they can get more than I did, but if not, what are the steps I need to take to sue them for FDCPA violations for reporting incorrect information after a validation and dispute letter has been sent, but no validation or verification has been done in a sufficient manner.