You *rock* Chris! I have been trying to get everything cleaned up, but it's been an uberchallenge. Now I think I know why. I'd still love to find out why Equifax thinks I have a mortage, though.... I am still waiting on my report from them. *feh*
In your letter, write the following:
"I dispute this bill in its entirety and demand that you cease and desist from contacting my home via telephone call. All communications must be via first class mail.
Additionally, I demand that you produce copies of the original documentation upon which this alleged debt is due, including copies of all statements and notices sent to me. If you are not the orignal creditor, I demand that you produce a copy of all documentation, included but not limited to: assignments, purchase contracts, bills of sale, whatsoever related to this matter.
Please be advised that if I do not receive the requested documentation within 30 days, I will assume that you do not posses any such information and that this debt is not owed or valid. Accordingly, any such further attempts to collect money from me are illegal under the FDCPA for which I will refer you to the FTC. Additionally, I will move for legal costs and expenses as permitted under said statute.
Please be further advised that I have already consulted with a consumer protection attorney who has advised me that your actions thus far may already constitute a violation of the FDCPA for which your company may be reported and held liable."
Use something like that you are likely never to hear from them again provided in fact that you really don't owe the money.