Are the addresses you have online for the three major bureaus correct for mailing in disputes? When I printed my Experian credit report it shows their mailing address as PO Box 9556 Allen, TX 75013.

Also, I have an account by Unique National Collections on my bureau, they represent our local public library. Anyway, I've mailed in several requests to them and to the credit agencies; they won't remove it even though I paid the library the $5 in person and not them as they are reporting. Plus they are reporting the debt as $72 and my fine was only $5. Originally they reported the original high credit as $64 after I disputed it they reported $72.

P.S. I went to the magistrates office I can't even file a complaint against them for knowingly false reporting because they are in Indiana that's not my state of residence. Plus, the library won't give out a phone number for them or tell me if they have a local office.

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It is paid in full. They are reporting it falsely. I wasn't sure if I could use that letter since it was paid already to the original creditor not them. Does this still fall under the debt validation letter? To me it's enough to worry about because it's not true and I don't appreciate people taking liberties with my bureau.
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Debt validation
Negotiation
Credit dispute