Product: Debt collection

Columbia Debt Recovery XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX : Collection account # XXXX  Debt Validation and Cease-and-Desist Request National Credit System, I am writing to dispute the alleged debt referenced above. I do not recognize this debt, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting proper validation of this debt. Until sufficient verification is provided, I formally request that all collection activities cease immediately, as permitted under 15 U.S.C. 1692c ( c ). Additionally, if you can not validate this debt as legally required, I demand that you : Cease All Collection Activities : Permanently stop all collection efforts, including phone calls, emails, letters, and any other forms of communication. Remove the Debt from Credit Reports : Notify all credit reporting agencies to delete this alleged debt from my credit reports. Reporting inaccurate or unverifiable information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Do Not Sell, Trade, or Share My Personal Information : You are prohibited from selling, trading, or otherwise sharing my personal information with third parties, including but not limited to other collection agencies, creditors, or data brokers. To validate this debt, I am requesting all the following : Proof of Debt Ownership : The name, address, and contact information of the original creditor. A complete chain of ownership for the alleged debt, including all transfers of ownership or assignments, with dates and supporting documentation. Copy of the Original Agreement : A copy of the original agreement or contract bearing my signature that establishes my responsibility for the debt. Proof of Identification : Copies of any documentation you have on file linking this alleged debt to me, including but not limited to photocopies of my identification, Social Security card, or any other personally identifying documents. Detailed Accounting of the Debt : An itemized breakdown of the alleged amount owed, including the original balance, interest, fees, penalties, and any other charges. History of Communications : Copies of all communication records related to this alleged debt, including letters, emails, or notes from phone calls made between your agency and me, or between your agency and other third parties. Point of Contact : The full name, title, direct phone number, and email address of the person responsible for handling this debt verification process. Failure to provide the requested documentation within 30 days will constitute your agreement to : Permanently cease all collection activities for this alleged debt. Notify all credit reporting agencies of the error and request immediate removal of this alleged debt from my credit reports. This letter also serves as a formal cease-and-desist request for all collection activities until the debt is properly validated. Continued collection efforts without proper validation violate the FDCPA, and I will report such violations to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my state Attorney General 's office. Additionally, I reserve the right to pursue legal action for damages arising from any violations of my rights. Please provide all requested information that your company upload, your validation and supporting documentation directly to the CFPB portal as part of your response. Sincerely, XXXX