listed at more than $1,100 (even at 30% annual compounding, that shouldn't be more than $550). So this amount is rampantly being padded. I sent dispute letters to the 3 CRAs. They all replied with "verification". Which was nothing more than the current CA reiterating its unsubstantiated claim on a wildly inflated charge against an account that is over 5 years old and that I disputed from the outset because of unacceptable service. What do I do next? Send a DV to the CA? My assumption is that they will just send a letter back claiming that they have verified that this is my debt... IE merely regurgitating their spurious claim as proof... Should I take the DV step anyway?