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which letter is best for me to use at this point?

space monk

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Negative listings were reported by OC, and I have sent dispute letters to one CRA. Negative listings were recently verified in my credit report. What letter amongst your sample letters would be best to send to OC at this point? I also called the OC to ask for what documentation they had to support this. They had none.

Should I request an investigation of the negative listing or request debt validation with collection agency?

Thanks for any insights.

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