Collection, age of cheese by their debt on huge spreadsheets for pennies on the dollar

They don’t have the necessary legal information to collect on that debt

That’s why the first thing they do is ask you to verify your name your address who you are

They ask you those things that they can get the information illegally lead to collect on the debt

You need to send them what’s called the debt verification letter

They have 30 days to respond

If they do not respond, it is invalidated

Most of the time they will respond, and they will say something like

Sorry, we don’t have the information to collect on this debt this date is now invalid.

Can you send that into the credit bureaus?

And it has wiped away like it has never existed

Make sure you send the letter certified to make sure it got there