Your Name
123 Your Street Address
Your City, ST 01234Scum Bag Collections
123 Kiss My Butt Ave
MYOB, IN.
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to
me on December 02, 2006). Be advised that this is not a refusal to
pay, but a notice sent pursuant to the Fair Debt Collection
Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed
and validation is requested.
This is NOT a request for “verification” or proof of my mailing
address, but a request for VALIDATION made pursuant to the above
named Title and Section. I respectfully request that your offices
provide me with competent evidence that I have any legal obligation
to pay you.
Please provide me with the following:
What the money you say I owe is for.
Explain and show me how you calculated what you say I owe.
Provide me with copies of any papers that show I agreed to pay
what you say I owe.
Provide a verification or copy of any judgment if applicable.
Identify the original credit.
Prove the statue of limitations has not expired.
Identify the original creditor.
Show me that your are licensed to collect in my state.
Provide me with your license numbers and registered agent.
At this time I will also inform you that if your offices have
reported invalidated information to any of the 3 major Credit
Bureau’s (Equifax, Experian or Trans Union) this action might
constitute fraud under both Federal and State Laws. Due to this
fact, if any negative mark is found on any of my credit reports by
your company or the company that you represent I will not hesitate
in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the
Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as
requested in the following Declaration, I will require at least 30
days to investigate this information and during such time all
collection activity must cease and desist.
Also during this validation period, if any action is taken which
could be considered detrimental to any of my credit reports, I will
consult with my legal counsel for suit. This includes any listing
any information to a credit reporting repository that could be
inaccurate or invalidated or verifying an account as accurate when
in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within
30 days from the date of your receipt, all references to this
account must be deleted and completely removed from my credit file
and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone
contact be made by your offices to my home or to my place of
employment. If your offices attempt telephone communication with me,
including but not limited to computer generated calls and calls or
correspondence sent to or with any third parties, it will be
considered harassment and I will have no choice but to file suit.
All future communications with me MUST be done in writing and sent
to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in
order before I am forced to take legal action. This is an attempt to
correct your records, any information obtained shall be used for
that purpose.
Best Regards,
Your Signature
Your Name