DV verification, violations, and harrassment, oh my!

Hi all,

Need some advice as to how to handle my current issue...

Long story short, a student loan that I *thought* was consolidated along with my other ones turns out...wasn't. It's not a HUGE amount, but not the kind of money I just have lying around, and I would like to know that the CA (PentaGroup) even has claim to collect for the original creditor.

It all began when my boyfriend got a call from them asking where I could be contacted. Keep in mind, this was the FIRST I'd ever heard of these people. No letters, calls, or anything from PentaGroup or even the original creditor. He told them that he was not in contact with me anymore and to please stop calling. I then called them to inquire about the matter myself. The woman I spoke to kept telling me that she was just trying to help because "they're getting ready to sue you." (FDCPA violation, no?) I told her that I wanted two things...a debt validation and that I was formally asking that she not contact anyone else regarding this debt, including my employer, from now on. I gave her my cell phone # and current address.

Fast-forward about a week. I get my 'debt validation', but there are no statements, no promissory note signed, no notice that they even own the debt. I was about to send them another DV letter today asking for those items, until my boyfriend called me telling me that PentaGroup not only called him again, but also his mother. (Another FDCPA violation, correct?)

My question is this...should I re-write my second DV letter to include the fact that they've violated the FDCPA 3 times now and that I know my rights? Not sure if it's advantageous to to that at this stage in the game or what, but I DO know I want them to stop calling others regarding this debt.

Any help would be greatly appreciated!