I am dealing with a collection agency that is a real headache. First of all, they will not give me the info I requested regarding debt validation. Rep stated that I misunderstood the definition of debt validation. He stated that the validation is the invoice sent to me with the amount owed on a sheet of paper from the collection agency. He also stated that if I wanted a detailed history acct., that I'd have to request it myself from the original creditor. I know that's not true. When I spoke to this rep the 1st time, he offered a settlement of 50%.