What should I do now?

send another letter to MCM giving them whatever account number they used on your credit report.=, also mention that sending you a collection letter is in violation.

Send NAFS another letter detailing the violations since you have proof in the form of a recipt that they got the first letter. Warn them that if they continue to violate your rights, you will sue them. Also remind them of the nearing end of the 30 day time frame,

to be honest, I would gather the information and consider filing a lawsuit now. You have two CA's that have received DV demands. Neither one has satisfied those demands, yet they both continue to try to collect. as a general rule, I allow a CA only a certain amount of time to see if they are going to follow the law or not. Once I see that they will not follow the law, I dont usually make repeated attempts to get them to change their minds. I would consider it a waste of time to keep trying to get them to do this legally. They have shown that they dont care what the law says--so go collect the money they now owe you as a result. They didnt listen to a letter, maybe they will listen when they have to cough up money from their pockets.

As for the 30 days, that doesnt apply in most places. Texas requires that they answer you within 30 days and I think Florida might as well, but not sure about that. All the other states have no set time limit, nor does the federal law. So, they can take six months to get you validation if they feel like it, as long as they arent still trying to collect, they are within the law. But I wouldnt worry too much about sending more letters, personally-I might try one more time and then that would be it. But when they call 4 times a day and flat-out insist that they have gotten no letter, I would not waste my time--I would just sue those people. They obviously dont care about the law's requirements.

Good job with LVNV! I actually found two entries on my CR recently, and disputed both of them. Both were removed. RJM Acquisitions was one, and MARS was the other.

So how do I sue a CA? Is there info here to help me with that? thanks.

There are two ways to sue a CA.

First is to get an attorney and have them help you through the process. The thing with this is that you usually dont have to pay an attorney up-front when youre suing the CA for damages, at least not usually that I have seen. The attorney's fees are generally added onto the total amount you are seeking, and you ask the court to award you the damages plus attorneys fees and court costs.

The second way is to sue them yourself, without an attorney. Unless you know the law, and I mean REALLY know the law, I would not recommend that you sue them yourself. You can go to www.naca.net and locate an attorney in your area, and many of those lawyers offer a free initial consultation to see if you have a good case or not. That is the way I would recommend that you pursue this.

From very recent personal experience, I got a lawyer here in Florida that works strictly on contingency. You can too.