re: How to respond to Insufficient Debt Validation?

Look, just dispute it IF it shows up on your credit report. It will disappear soon after.

The company that sent you the collection letter is not the credit agencies, just someone who turns the info over. Threaten them again with a letter and show the letter in your report disputes later...

I would NEVER pay if I wasn't driving. AND, by law, you are NOT required to give those numb nuts someone else's ID who was driving. It's retarded, they have to serve you with papers for anything to be official.