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I have sent 5 validation letters to asset asking for how they calculate what they say i owe. I received the standard fraud letter and contact police, someone elses bill with the same name as mine, and now i recieve contact the Consumer Resolution Unit.

(a)Is it time to sue in small claims court since they have been constantly updating credit report without validation?

(B) or is it "wise" to try to contact and try to settle for a pay for delete with intent to sue and not a clear piece of validation.

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