Product: Debt collection

Verification of Debt Request InDebted XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Re : Acct # : XXXX Amount in dispute : {$21000.00} I am contacting you regarding the debt you are attempting to collect. You reached out to me by email on XXXX XXXX XXXX. This letter is sent in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sections ( a ) and ( b ), which stipulates that you must provide the following information : Details Regarding the Debt and the Creditor Within five days of the initial communication with a consumer regarding debt collection, a debt collector must send a written notice unless the following information was included in the initial communication or the consumer has paid the debt. The notice must include : The total amount of the debt. The name of the creditor to whom the debt is owed. 
A statement indicating that unless the consumer disputes the validity of the debt, in whole or in part, within 30 days of receiving the notice, the debt will be assumed valid. 
A statement that if the consumer disputes the debt in writing within the 30-day period, the debt collector will obtain verification of the debt or a copy of the judgment against the consumer, which will be mailed to the consumer. A statement that upon the consumer 's written request within the 30-day period, the debt collector will provide the name and address of the original creditor, if different from the current creditor. Details Regarding the Amount and Age of the Debt You are required to provide a comprehensive accounting of the debt you assert I owe within 30 days of your receipt of this letter. This documentation must include, but is not limited to : A complete and signed copy of the contract related to the debt in question. An itemized breakdown of the basis for the claimed amount owed. 
A detailed explanation and calculation of the disputed amount. Copies of any relevant documents, ledgers, spreadsheets, or other records that demonstrate my agreement to pay the amount you assert is owed. Identification of the original creditor. 
A clear identification and accurate description of any third-party costs included in the disputed amount, accompanied by a complete itemization of all such charges. 
An affidavit confirming that the Statute of Limitations has not expired on this account.

Information Regarding Your Authority to Collect This Debt Please provide the following documentation to demonstrate your authority to collect this debt : Confirmation of whether your firm holds a debt collection license in my state. If not, please explain why. If you do, include the date of the license, the name on the license, the license number, and the contact information for the issuing agency. 
Indication of whether you are contacting me from outside my state and if you hold a debt collection license from that location, including the license number and the contact details of the issuing agency. I hereby dispute this debt and invoke my rights under the FDCPA and applicable state laws. I request that all collection activities be suspended until you provide clear and convincing evidence of my legal obligation to pay you or the original creditor for the disputed amount. Furthermore, if you have reported any inaccurate information to the major credit bureaus ( XXXX, XXXX, or XXXX ), this may constitute fraud and disparagement of credit under federal and state laws. I demand the removal of any such negative marks while this debt is in dispute. Please respond to this request within 30 days from the date of this letter. I require your response to make an informed decision regarding the alleged debt. Additionally, kindly inform me in writing if you are willing to accept less than the claimed amount owed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX