I am in the process of disputing a collection. I previously sent a letter asking for validation of the debt. I received a letter and a couple months of statements in return for validation. My issue is that there were only 4 statement months but jumped from one year to the next. I am trying to find out when the date of my first delinquency but it is hard to tell from the statements they have given. What should I do next?
The second time they sent me statements, they did not match the amount they said I owe. Either they forgot to send a statement with that amount or they lost it. I’m confused.