Product: Debt collection

Subject : Insufficient Debt Validation Violation of the Fair Debt Collection Practices Act ( FDCPA ) To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt you are attempting to collect from me. After reviewing your response, I find that you have failed to sufficiently validate the debt and have not provided proof of your legal authority to collect it, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Therefore, I continue to dispute this debt, and I demand that you immediately cease all collection efforts unless and until you provide full and legally sufficient validation.

1. Failure to Properly Validate the Debt ( 1692g ( b ) ) Under FDCPA 1692g ( b ), once a consumer disputes a debt, the debt collector must provide verification before continuing collection activities. Your response is inadequate for the following reasons : You did not provide a detailed itemized account history proving how the alleged balance was calculated. 
You failed to provide a signed agreement or contract demonstrating that I personally incurred this debt. 
You did not include statements, invoices, or records from the original creditor ( XXXX XXXX XXXX ) verifying that I authorized these charges. 

Without these documents, your response does not satisfy FDCPA 1692g ( b ), and your collection efforts are unlawful until proper validation is provided.

2. Failure to Prove Authority to Collect the Debt ( 1692e ( 2 ) ) The FDCPA 1692e ( 2 ) prohibits a debt collector from making false or misleading representations about the legal status of a debt. You have failed to provide : A debt assignment or purchase agreement between XXXX XXXX XXXX and S & S Recovery proving that you have the legal right to collect this debt. 
A contract or authorization agreement showing that you are legally collecting on behalf of the original creditor. 

Without these documents, you have not proven that you have the legal authority to collect this debt, and continuing to pursue collection may constitute a violation of FDCPA 1692e ( 2 ) ( A ).

3. Continuing Collection Efforts Without Proper Validation ( 1692g ( b ) ) Per FDCPA 1692g ( b ), once a debt is disputed, the collector must cease collection efforts until proper validation is provided. Since you have failed to meet the legal requirements for debt validation, you must immediately stop all collection activities, including : Phone calls, letters, or any attempts to collect payment. 
Reporting the debt to credit bureaus. 
Threatening legal action or continuing to contact me regarding this matter. 

If you continue collection efforts without full compliance, I will take appropriate legal action against your company. 

Formal Demand for Compliance Pursuant to my rights under the FDCPA, I demand that you : 1. Provide proper validation of this debt, including : A signed agreement or contract proving I incurred this debt.

A full, itemized account history showing how the balance was calculated.

Verification from the original creditor proving that I am responsible for this debt.

2. Provide proof of your legal authority to collect, including : A debt assignment or purchase agreement with XXXX XXXX XXXX. 
A legal authorization contract showing that S & S Recovery has the right to collect this debt. 
XXXX. Immediately cease all collection activities until you provide full validation, as required by law. 

If you fail to comply, I will escalate this matter by : Filing new complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
Disputing this debt with the credit bureaus if it appears on my credit report. 
Consulting with an attorney to explore legal action against your company for violations of the FDCPA. 

You are hereby notified that any further contact regarding this matter without proper validation may be considered a continuing violation of the FDCPA and subject your company to potential liability. Please provide your written response within 30 days of receiving this letter.