Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Alleged Original Creditor : XXXXXXXX XXXX Alleged Debt Amount or Balance : {$1800.00} ( Alleged Debt ) To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt referenced above. Pursuant to 15 U.S.C. 1692g ( b ), we require comprehensive verification of the debt. Specifically, please provide the following documentation : XXXX. Contract/Agreement : A copy of the contract or agreement signed by the alleged original creditor and all relevant parties, including my client. Please note that billing statements, notices, or any unsigned documents do not constitute verification of the alleged debt. 

XXXX. XXXX or XXXX : A detailed itemization or accounting of the alleged debt amount you are attempting to collect. If the alleged debt pertains to a loan, provide proof of funding or itemized charges if it involves a credit card. 

Additionally, please address the following questions : XXXX. Questions about the XXXX : - Can you provide documentation proving that my client owes this debt? 
- What is the original creditor 's name and contact information? 
- Can you explain the breakdown of the debt amount you are claiming? 

XXXX. Questions about Ownership of the XXXX : - How did your firm come to own this debt? 
- Can you provide documentation showing the chain of ownership of the debt? 
- Have you personally reviewed all the relevant documentation related to this debt? 

XXXX. Questions about XXXX XXXX : - Are you licensed to practice law in North Carolina? 
- Have you filed all the necessary legal documentation to pursue this debt collection case? 
- Can you explain the legal basis for pursuing this debt in court? 

XXXX. Questions about XXXX : - Have you communicated with any third parties regarding this debt? 
- Have you followed the appropriate debt collection laws and regulations in your communications? 
- Can you provide copies of any correspondence along with mailing tracking numbers sent about this debt? 

Please be advised that any attempt to collect this debt without proper verification is unlawful. You are hereby requested to cease all collection activities, including any reporting to consumer reporting agencies ( CRAs ). However, providing the specific verification documents requested above shall not be deemed collection activity under the terms of the FDCPA. 

Furthermore, I request the prompt deletion of any and all prior consumer reporting made to any CRAs regarding this alleged debt. Compliance with this cease collection and deletion request will exempt you from providing further verification. Should you choose to verify, please also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, proof of chain of title must show an unbroken chain from the original creditor to the current owner. 

This letter serves as evidence and may be provided to the Consumer Financial Protection Bureau ( CFPB ), which is authorized to fully investigate this matter. Failure to comply with this request XXXX result in XXXX engaging a consumer attorney. 

Enclosed is a copy of my clients drivers license for identification purposes only. Please do not use, sell, or transfer this data for any other purpose. Any unlawful use of this information shall be considered a violation of applicable laws. 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX XXXX XXXX