Product: Debt collection

[ XXXX XXXX ] [ XXXX ] [ XX/XX/2025 ] Credence Resource Management [ Credence Resource Management Address ] [ City, State, Zip Code ] Subject : Formal Notice of Dispute and Debt Validation Request Dear Credence Resource Management, I am writing to formally dispute the alleged debt you have reported under my name, in accordance with my rights under federal law, specifically the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). This alleged account, referenced on my credit report, does not belong to me, and I demand proper validation in compliance with federal law.

Request for Validation Under 15 U.S.C. 1692 ( g ) Under 15 U.S.C. 1692 ( g ), you are required to provide verification of the alleged debt, including : The name and contact information of the original creditor. 
A complete breakdown of the amount allegedly owed, including principal, interest, fees, and any other charges. 
A signed contract or agreement proving that I agreed to be held liable for this debt. 
Evidence of your legal authority to collect this debt on behalf of the creditor. 
Until proper validation is provided, you are prohibited from collecting, attempting to collect, or reporting this debt to any credit bureaus. Any continued collection activity without proper verification is a violation of the FDCPA. 

Notice of Reporting Violation Under 15 U.S.C. 1681 ( i ) & ( e ) Under 15 U.S.C. 1681 ( i ) & ( e ), I have the right to dispute inaccurate or unverifiable information on my credit report. If you can not provide sufficient proof that this debt is valid and that I am legally responsible for it, you must immediately instruct all credit bureaus to delete this account from my report.

Cease and Desist Notice Under 15 U.S.C. 1692 ( c ) Furthermore, under 15 U.S.C. 1692 ( c ), I am formally requesting that you cease all further communication with me regarding this matter except to provide verification of the debt. Any further attempts to contact me, outside of legally required notices, will be considered harassment and reported accordingly.

Violation of Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( g ) ) Under 15 U.S.C. 1691 ( g ), you are required to provide me with the specific reasons for any adverse action taken against me, including the furnishing of negative information to credit reporting agencies. If this requirement has not been met, you are in violation of federal law. 

Legal Notice : Estoppel by Silence & Lack of Proof As per Engelhardt v. Gravens, 281 S.W. 715, 719 ( Mo. ), the doctrine of estoppel by silence applies here. If you fail to provide the requested proof, it will be presumed that no such proof exists, and therefore, no legitimate debt is owed. Your continued silence and failure to validate this alleged debt will be interpreted as an admission that the debt is not valid. 

Demand for Deletion of Unverified Debt If you can not provide the legally required validation, I demand the immediate removal of this account from my credit report. Additionally, any further reporting of this debt to credit agencies without proper validation will constitute a willful violation of the Fair Credit Reporting Act ( FCRA ) and subject you to legal consequences. 

Failure to comply with this request within the legally required timeframe will result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 

I expect a response within 30 days of receipt of this letter. 

Sincerely, [ XXXX XXXX ] [ XXXX ]