johnb123 That is my position, they did not validate my debt. After two requests for validating information that were not fulfilled, I am having reservations about the level of faith this company is acting in.

To Mr. Knowitall...I am not complaining.

I have a collection agency TELLING me that they are collecting a debt on behalf of a specific company, who was not the original creditor. I asked for validation that A. the company the collection agency is collecting for actually owns the debt and B. that the agency has been retained to collect on behalf of their client once ownership has been established. The first round of documentation provided me surely didn't accomplish that, nor did the second. Why on Earth would I take someone's word and enter into some sort of payment negotiation without first having the information stated above validated?