Midland , NCA and NCS did not respond to debt validation letters so how can I address letters to credit bureus?
Also Unifin and ARS did not respond to debt validation requested and continued to send text messages even during 30 days of request.They are not on my credit though.
Last Citibank was charged off but never transfered to collections so do you recommend for me to dispute it? Chase was charged off too and I paid them so do you recommend for me to dispute too?