So in middle January I got a letter from Smith Debnam about my Discover card account that they were handling and the letter threatened legal action if I didn't respond within 30 days. So I sent a DV letter on the 25th of January and to date they have not responded to verify.
I guess my question is what happens next. I can't get the whole Discover account taken off my credit report can I? What exactly do I have the right to remove now that they haven't responded and what should my next step be?