Product: Debt collection

Debt Validation Letter XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for Credit Management LP in case legal action becomes necessary. 
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
Cease and Desist all communication that doesnt align with the request of this message I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. 
These '' other mediums '' include but are not limited too phone, email, social media, place of employment and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 
Please provide me the following information : 1 Name and address of alleged creditor 2 Name on file of alleged debtor 3.Alleged account number 4.Date that this alleged debt became payable 5 Amount of alleged debt 6. Was this alleged debt purchased or assigned to a debt collector? 
7.Amount paid if debt was purchased 8.Commission for debt if collection efforts are successful PLEASE ALSO ATTACH COPIES OF THE FOLLOWING INFORMATION REGARDING THIS ALLEGED DEBT : 1. Original contract of debtor with debtors wet ink signature 2. All statements while this account was open 3. Any and all accounting documents associated with this alleged debt I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. 

Please also tell me if any insurance claims or judgments been made by any creditor regarding this account. 

Please provide me with the name and address of bonding agent for XXXX XXXX, in case legal action has to be taken. 

You must provide me with all the information i have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter YOUR CLAIM CAN NOT AND WILL NOT be considered if any portion or documents have not been provided as instructed by I the consumer. 
This is a request for validation according to the FDCPA XXXX : XXXX Without prejudice, All Natural Rights Reserved