Collection: Requested Validation...Collector sent documents for someone else. What now?

[chubbs]

Received an electronic communication from Global Trust Management for a debt they claim I owe.  I recognize the OC, but its been over 7 years (my state SOL is 10 years btw).  I sent them a validation request, I believe its a version a sample letter from here, that ended with "Upon failure or refusal of collector to validate this collection action, collector agrees to waive all claims against the debtor named herein and pay debtor for all costs and attorney fees involved in defending this collection action".

 

This weekend I received back their response which included a signed affidavit of the bill of sale, which was really just how much they spent for the bundle of files not mine specific, and documents from the OC including a notice of first default from the OC, the disclosure statement, and a ledger of activity from said account......of a completely different person.  

 

Included is a letter to me from the debt collector, which I never received either electronically or physical which has my name and correct address.  But the account number on that document doesn't match what they sent.  So, in my book they failed to validate.  Please correct me if I'm wrong here. 

 

I'm going to send a letter disputing and notifying them of the failed validation attempt.  But my question is: how detailed should the letter be?  I'm assuming simple so I don't do their job for them, but if I include an aggressive statement that tells them stop collection, remove me from their files, close the file and stop bugging me....am i opening myself up further to them?   I can get a letter from Claude, but I don't want to be *Admin prohibits insults that reference an individual's intelligence.* about this.  

 

Thanks!

[Why Chat]

Check with your State's consumer protection and/or financial fraud department. Send your letter to Global and copies to the most assessable State agency and add to your letter  the names of the agency/agencies you are copying to .Don't bother with any Federal agency as they are (for now) paralyzed.