Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE FORMAL REQUEST FOR VALIDATION OF DEBT Dear XXXX, XXXX and XXXX This is notice of my formal request for validation of debt in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I am in receipt of your letter dated XXXX XX/XX/year> alleging that I owe a debt to an original creditor named XXXX XXXX, and any and accounts now in collections with your organization. 

I am unaware of any contract creating an obligation or indebtedness to any company, or Debt Collector Company.

So that I may further assist you, I am requesting that you validate the debt. 

Validation, differs from verification, whereas I am challenging the authenticity of the alleged debt you are attempting to collect. 

Provide me with a true copy of : 1. The authenticated contract or note with the signatures annexed thereto.

2. The accounting and general ledger statements showing the full accounting of the alleged debt that you are now attempting to collect.

3. The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt.

4. Verification under penalty of perjury, that as a debt collector, you have not purchased evidence of the debt and are proceeding with collection activity in the name of the original maker of the note.

5. Verification from the stated creditor that you are authorized to act for them. statements showing the full accounting of the alleged debt that you are now attempting to collect.

The name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt.

Verification under penalty of perjury, that as a debt collector, you have not purchased evidence of the debt and are proceeding with collection activity in the name of the original maker of the note.

Verification from the stated creditor that you are authorized to act for them.

In accord with Fair Debt Collection Practices Act, 15 U.S.C. 1692f The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

NOTICE OF DISPUTE I am disputing the interest regarding the above account, whereas I believe the correct balance owed is XXXX XXXX XXXX XXXX 

Please update the record with XXXX, XXXX, and XXXX notifying them that interest portion of the alleged debt is in dispute. If you are unable to validate the information within 30 days, the account must be deleted. 

This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 

Sincerely XXXX XXXX XXXX XXXX XXXX, Authorized Rep DISCLOSURE STATEMENT REQUEST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice to agent is notice to principle. Notice to principle is notice to agent Name the original creditor? 
Name the address of the creditor or assignee? What are the terms of assignment contract? 
What are the full account numbers for this account? 

Please list the particular products or services sold by the collector to the debtor and the dollar amount of each item. 

Have any insurance claims been made by any creditor or assignee regarding this account? 
Has the reported balance of this account been used in any tax deduction claims? 

Upon failure or refusal of collector to validate this collection action. 

Collector agrees to waive all claims against the debtor made herein and agrees to pay debtor all cost and attorney fees involved in defending this action. 

Please return this completed form and attach all assignment or other transfer agreements that will establish your right to collect this debt. 

Your claim can not be considered for any portion of this form is not completed and returned with the required documents. 

This is a request for validation made pursuant to the fair credit debt collections practices act. If you do not respond as required by law, your claim will not be considered. 

And, you may be liable for damages for continued collection efforts. Please allow 30 days for processing after receipt of your request.