Product: Credit reporting or other personal consumer reports

Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Date ] Compliance Department Resurgent Capital Services, L.P. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX RE : Dispute of Debt and Request for Verification Account Number : [ Account Number or Reference Number ] Dear Compliance Department, I am writing to formally dispute the validity and accuracy of the information associated with the above-referenced account, as reported to the credit bureaus and included in your correspondence dated [ insert date of their letter ]. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request a thorough investigation and correction of the records as outlined below. 

Disputed Information and Legal Basis 1. 15 U.S.C. 1681 ( c ) ( 2 ) : Reporting Obsolete Information According to the FCRA, outdated or obsolete informationsuch as debts that are beyond the reporting period of seven years from the date of the first delinquencymust be removed from credit reports. The Date of First Delinquency for this account, as you stated, is XX/XX/year>. I request confirmation that this reporting complies with the law and request removal if this timeline has been exceeded. 
2. 15 U.S.C. 1692 ( g ) : Verification of Debt Under the FDCPA, I have the right to dispute the validity of the debt within 30 days of receiving notice and to request written verification. I hereby invoke this right and request : Copies of any original contracts or agreements bearing my signature that obligate me to this debt. 
A detailed accounting of the amount claimed, including principal, interest, fees, and any payments received. 
Evidence that you are legally authorized to collect on this debt. 
3. 15 U.S.C. 1681 ( e ) : Accuracy of Information The FCRA requires that all information reported to consumer reporting agencies is accurate, complete, and up-to-date. Please provide evidence that all information related to this account has been verified and is being accurately reported. 
4. 15 U.S.C. 1681 ( i ) : Reinvestigation of Disputed Information I am requesting that your organization conduct a full reinvestigation of the disputed information. Please provide me with the results of the investigation and an updated account status. 
5. 15 U.S.C. 1692 ( c ) : Cease Communication Request Under the FDCPA, I request that all future communication regarding this matter be conducted in writing only. Do not contact me by phone. 

Action Requested To resolve this matter, I request the following : 1. Full and complete validation of the debt as described above, including a copy of any agreement bearing my signature that shows I agreed to the terms of this debt. 
2. Removal or correction of any inaccurate, incomplete, or outdated information reported to the credit bureaus. 
3. Written confirmation of your findings and actions taken. 

Failure to comply with these requests may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other relevant authorities. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of receipt of this letter. 

Sincerely, [ Your Name ] [ Your Contact Information ]