Product: Debt collection

XXXX XXXX XXXX XXXX, Georgia, XXXX XX/XX/XXXX Diversified Adjustments aka/Diversified XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Re : Account # XXXX Amount in dispute : {$350.00} Greetings : VERIFICATION OF DEBT REQUEST I saw an entry on my XXXX Credit file where you placed a claim for the above amount, and that you are listed as the Original Creditor. Please be advised this communication shall serve as a dispute to the accuracy of your claim and I hereby request and demand the verification of the ownership and the debt that you claim. I also dispute the claim validity and deem it as false and misleading which violates the intent of the prevailing federal, state laws, rules, regulations, and guidelines relative to, and pertaining to Fair Debts and reporting requirements. Your apparent intentional misrepresentation also impact and jeopardize the credibility of this credit reporting agency, To that end, this letter is being sent to you because in two separate areas in the XXXX file, you presented your agency as the Original Creditor, therefore, pursuant to the Fair Debt Practices Act, 15 USC 1692GsEC. 809 ( a ) and ( b ) which states : ( a ) NOTICE OF DEBT ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication of the consumer has paid, send the consumer a written notice containing : 1. The amount of the debt : 2. The name of the creditor to whom the debt is owed ; 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; 4. A statement that if the consumer notifies the debt collector in writing within the thirty ( 30 ) day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt, or a copy of the judgement against the consumer, and a copy of such verification or judgement will be mailed to the consumer by the debt collector and different from the current creditor. 
Information about the Amount and the Age of the Debt It is your insistence of ownership and being the original creditor that I now demand that you must provide a complete accounting of the debt you claim that I owe within 30 days of your receipt of this letter, Please provide a certified copy of the written contractual agreement between you, the original owner and myself. Please note that without this specific document, your claim is meritless, and your claim is fraudulent, This proof must include, but not limited to the obligation which is the subject matter of the dispute ; a. The complete and signed contract for the debt obligation claimed by you, the original owner which is the subject matter of this dispute ; b. An itemized breakdown of what you claim the money is owed for ; c. Explain and show me how you calculated the amount in dispute ; d. Provide me with copies of any and all copies of documents, ledgers. Spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe e. Identify the original creditor ; f. Identify and accurately describe any third-party cost for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and g. Provide me with an affidavit that the Statue of Limitation has not expired on this account.

Information About your Authority to Collect this Debt Provide verification that your firm has debt collection in the State of Georgia. If no, explain why. If so provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of the State of Georgia, and whether you have debt collection license from that location, including the license number and the contact information of the agency that issued that license. 
Please know that I further dispute this debt and invoke my rights under the FDCPA and any other applicable state, federal laws, rules, regulations, and/or guidelines. 
I request that you suspend all collections activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you/or the original creditor for the amount in dispute. 
Please note : If you have reported invalidated and inaccurate information to any of the XXXX XXXX  Credit Bureaus XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate, negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. 





Attachments Please find attached to this communication, XXXX investigation and re-investigation reports dating from XXXX thru XX/XX/XXXX. In each of the reports you verified the accuracy each report that you responded to. XXXX apparently believed your account and in one report stated that my dispute was not specific. Your intentional diversion has been extremely costly to me, and I will thoroughly review my options to resolve this matter. 
Therefore, to ensure that no additional misrepresentations occur, I have attached several copies that your agency has knowingly confirmed as accurate and submitted those reports to XXXX. Without the production of the documents hereto requested, required and demanded, the reports your agency made in response to the several investigations and reinvestigations shall be deemed bogus and intentional misrepresentation, and shall be subject to the review and scrutiny of the applicable agencies pursuant to fraud and abuse guidelines. 
Please respond to this request within 30 days of the date XXXX this letter. I do require a response from you as how reinvestigations have been requested and received { XX/XX/XXXX and XX/XX/XXXX. Your timely response will allow me to make an informed decision about the alleged debt. As a courtesy to your Agency, I will withhold sending this information to the CFPB and the United States XXXX XXXX XXXX Comptroller of the Currency. Please be mindful that I expect a timely response. 
Sincerely, XXXX XXXX XXXX : The XXXX XXXX  Credit Bureaus XXXX XXXX XXXX *** XXXX XXXX ( Reserve ) ___OCC ( Reserve ) XXXXCopy Reserved for Legal Counsel XXXX document filed to further validate previous investigation and deletion Attachments as stated XXXX XXXX XXXX XXXXXXXX XXXX, Georgia, XXXX XX/XX/XXXX XXXX XXXX XXXX Re : Inaccurate Reporting in my credit file Diversified Account XXXX Greetings : Previously I have requested investigations and reinvestigations of the Diversified Adjustments aka/Diversified. Each report has not corrected the erroneous information. 
I previously provided your bureau with copies of the Request for Verification of Debt as required under the provisions of the Fair Credit Reporting Act. For your convenience, I have included a copy of the request made on XX/XX/XXXX. 
As of this date, XX/XX/XXXX, no verification of the debt requested has been provided by Diversified. They submitted to your individual bureaus that they were the original creditor that information, although requested more than 60 days ago, Diversified has failed to provide the required information.

To that end, I am demanding that the inaccurate, unvalidated entry and claim from Diversified be deleted from the credit report immediately if not sooner. 
Please be so advised that should you continue to report the information incorrectly, I am reserving copies of this communication to present as evidence of my efforts to correct the errors that are currently being reported. 
Sincerely, XXXX XXXX XXXX : CFPB - Reserved for 30 day response XXXX - Reserved for 30 day response