Product: Debt collection

Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXXXXXX  Credit Management LP XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to responses sent to me from your company, via the Consumer Financial Protection Bureaus portal, and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Your response to me, on XX/XX/XXXXXXXX  included the following documents : Please 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. 

Per Credit Management LPs CFPB response on XX/XX/XXXX, the debt notification was sent to email XXXX and Credit Management LP presumed as it was not returned undeliverable that is was delivered. The email XXXX, which is comprised of the names XXXX, not XXXX XXXX, does not belong to me, nor does the address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX listed XX/XX/XXXXXXXX  notice. Due to Credit Management LP not doing due diligence, by sending the debt notification of this alleged debt to the wrong email and address, I was robbed of my right to timely dispute. I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, nor have I ever opened a XXXX account in my name. 


Per 12 CFR 1006.18, a debt collector must not use any false representation or decep-tive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Credit Management LPs failed to adhere to FDCPA and FCRA by failing to send me a proper notification of debt and inputting erroneous and incorrect infor-mation on my credit report. Credit Management LPs failure to ensure this is a legiti-mate debt that actually belongs to me has caused me undue financial hardship and deni-als. 

To be clear, 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 Credit Management LP what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Show me the purchase agreement of this alleged debt from XXXX to Credit Management LP Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that as your office has reported invalidated information to all of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action constitutes fraud under both Federal and State Laws. Due to this fact, if any negative mark/account continues to remain on any of my credit reports by your company or the company that you represent, I will not hesitate to bring 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 can provide 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 continued action occurs, which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with 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 accurate. 

If your company fails 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your company to my home or 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 ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 


Best Regards, XXXX XXXX XXXX