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What is considered adequate validation?


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I got a letter from ARS about my Midland Funding account. What they sent as validation is not what I would consider acceptable, but I'm wondering what to do about it next. They tell me that my balance with them is 1998.62.

What they sent as validation is a transaction history with 5 finace charge listing, 5 overlimit fees and 5 late payment charges and one payment received. All together, this whole page only adds up to less than $500, how can they consider this validation for an almost $2000 debt???

What should I do next?


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