I received a collection notice about 2 months ago so I returned a phone call to the collection agency. I informed her that I was disputing the debt and asked for validation over the phone. I've been reading and it looks like you are supposed to dispute and ask for validation through the mail. Well the account has me and one other person on it, she was unable to verify the debt but called the other party and scared them into making a payment. As of right now it just showed up on my credit report (as disputed) but was never validated. Do I have some legal right since she continued collections without validating?