What is the FDCPA law?

Here you go:

[quote]???? 809. Validation of debts [15 USC 1692g]

(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing --

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

(c) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer[/quote]

http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

Send a debt validation letter to the companies that are reporting the accounts on your credit report. Send the letters via certifed mail/return receipt requested, so you will have proof that the were received and signed for.

Here is a link to a sample debt validation letter...

http://www.debtconsolidationcare.com/letters/sample6.html

Credit bureaus are not subject to validation of a debt.Send your letter to the collector and do account disputes thru bureau in accordance with Fcra.

Also, if you are dealing with the original creditor, fdcpa probably will not apply.

Federal fdcpa does not apply to original creditor unless their actions cause it to be invoked.Some state laws apply to original creditors & collectors.Fcra applies to anyone who furnishes data to a credit bureau.