source of funding - nondisclosure

[missvagabond]

if a lender cannot provide the following original documents to validate a debt: 1. A copy of the original contract binding both parties 2. Validation of the debt - the actual accounting Does this mean i am a victim of nondisclosure? Is the debt then UNenforceable? Am i then able to remove this history/file from my credit file as the debt is false? if so, how do i do that?