Product: Debt collection

FROM : [ REDACTED ] XXXX XX/XX/2024 CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Subject : Formal Debt Validation and Verification Request Pursuant to 15 U.S.C. 1692g and 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear CENTRAL PORTFOLIO CONT, I am writing in response to your communication when you called my phone and send a letter to me at my home, regarding an alleged debt referenced by account number XXXX. I do not recognize this debt and hereby formally dispute it. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am exercising my rights to request a thorough validation and verification of this alleged debt.

Under 15 U.S.C. 1692g, I request the following : 1. Validation of the Debt : Proof of the Amount : A complete itemization of the alleged debt, including the original amount, any interest, fees, or charges, and how these were calculated. 
Original Creditor Information : The name and address of the original creditor, along with any account numbers associated with the debt. 
Agreement Documentation : Copies of any contracts, signed agreements, or purchase agreements that legally obligate me to pay this debt. 
2. Verification of Your Authority : Proof of Assignment or Ownership : Documentation that clearly demonstrates your legal right to collect this debt, including any transfer or assignment agreements.

State Licensing Information : Proof that your agency is licensed to operate as a debt collector in Washington, including license numbers and issuing authorities.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I also request : 3. Description of Verification Procedures : A detailed description of the procedures you used to determine the accuracy and completeness of the disputed information.

Obligations and Consequences : Cease Collection Activities : Until you provide the requested documentation and validation, you are required under 15 U.S.C. 1692g ( b ) to cease all collection activities, including reporting this debt to any credit reporting agencies.

Deletion of the Debt : If you can not provide the requested information within 30 days, you must immediately delete all references to this debt from my credit reports and cease any further collection efforts.

Legal Consequences : Failure to comply with these legal obligations may result in complaints filed against your agency with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Attorney Generals office of both your state and mine. I also reserve the right to pursue civil action for violations of the FDCPA and FCRA, which may include actual damages, statutory damages, court costs, and attorneys fees.

Additional Instructions : Written Communication Only : Please limit all future communications with me to written correspondence sent to the address provided above.

No Third-Party Communication : Do not contact any third parties regarding this matter, as prohibited under 15 U.S.C. 1692c ( b ).

Certification and Record-Keeping : This letter serves as formal notice of my dispute. I advise you to note that any attempt to collect this debt without proper validation may constitute harassment and a violation of federal law. 


Conclusion : I expect a timely and complete response to this request within 30 days of receipt. Failure to do so will be considered a willful non-compliance with federal laws governing fair debt collection and credit reporting practices. 


Thank you for your prompt attention to this matter. 


Sincerely, [ REDACTED ] [ INCLUDED PROOF OF CERTIFIED MAIL SENT OUT TO CREDITOR WITH TRACKING OF XXXX XXXX XXXX XXXX XXXX XXXX ]