J.P. requested validation. The agency could not produce a signed contract. The original creditor had gone bankrupt in 2019. The judge dismissed the case with prejudice (meaning Rose Wild can never sue for that debt again) and awarded J.P. $1,000 in statutory damages for FDCPA violations, including "false representation of the character of the debt."
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Assert your rights under the FDCPA. Demand validation. Check the clock on the statute of limitations. And if they cross the line by threatening jail time (which is illegal) or calling your employer, report them immediately. The original creditor had gone bankrupt in 2019