Product: Vehicle loan or lease

Bethpage Federal Credit Union Collections Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Notice Regarding Unlawful Collection Practices on Disputed Account Account Ending XXXX To Whom It May Concern : I am writing in response to your recent collection letter demanding payment of {$31000.00} to avoid further action. This letter serves as formal notice that your attempt to collect on the above-referenced account while it is under dispute constitutes a violation of federal consumer protection laws. 

Violation of Consumer Protection Laws 1. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( b ) : Under this provision, once a consumer disputes the validity of a debt in writing, all collection activities must cease until the debt collector provides verification of the debt. Your continued demand for payment without validating or resolving the dispute is unlawful.

2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A ) : Your collection letter constitutes a false or misleading representation about the character, amount, or legal status of the debt while it remains under dispute.

3. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Furnishers of credit information, such as Bethpage Federal Credit Union , are required to investigate disputes promptly and accurately. Continuing to collect on a disputed debt without resolving the dispute violates the FCRAs obligations.

4. Federal Trade Commission Act ( FTCA ) - 15 U.S.C. 45 : The demand for payment on a disputed account constitutes an unfair or deceptive act or practice in violation of Section 5 of the FTCA.

Dispute of the Debt I hereby reiterate that the validity of this debt is in dispute. To date, I have not received any verification of the debt as required by 15 U.S.C. 1692g ( b ). Therefore, your continued demand for payment is not only unethical but also unlawful.

Required Action I demand that Bethpage Federal Credit Union take the following actions immediately : 1. Cease all collection efforts on this account until the dispute is resolved, as required by law.

2. Provide a detailed verification of the debt, including : The original agreement or contract.

A detailed breakdown of the debt, including principal, interest, and fees.

Evidence that Bethpage Federal Credit Union is authorized to collect on this account.

3. Refrain from reporting this debt as delinquent to any credit reporting agencies while it remains under dispute, per the requirements of the FCRA.

Failure to Comply If you fail to comply with the above actions, I reserve the right to pursue all legal remedies available to me under the FDCPA, FCRA, FTCA, and other applicable laws. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, as well as pursuing civil litigation for damages.

Conclusion I expect your prompt attention to this matter. Please provide written confirmation that all collection activities on this account have ceased until the dispute is resolved. You may respond to me in writing at the address provided above.