Product: Debt collection

DEBT VALIDATION LETTER Date : XX/XX/22 Name : XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX To : Professional Account Management LLC Collection Services Division P.O XXXX XXXX, MI XXXX Account : XXXX Be advices this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection practices Act, 15 USC 1692g stating claim is disputed and validation is requested.

This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and section. I respectfully request 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 reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company of the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act. Violation of the Fair Debt Collections Practices Act, and Defamation of character. 



If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which 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 any legal counsel for suit. This includes any listing of a any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails 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. 



CEASE AND DESIST- Pursuant to USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me though any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking any specified remedy is different. 



Zero out the balance on this account : Deletion from all consumer reports. 



Best regards, XXXX XXXX Im requesting the following information ; 1. Name and address of alleged creditor.

2. Name on file of alleged debtor.

3. Alleged account # 4. Address on file for alleged debtor.

5. Amount of alleged debt.

6. Date ( this alleged debt became payable ).

7. Date of original charge or delinquency.

8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful. 

Also include the following in your letter : Please attach copies of the following : Agreement with your client that grants __ ( Professional Account Management LLC ) the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay creditor. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account. 



Have any judgments been obtained by any creditor regarding this account? 



Please provide the name and address of the bonding agent for ( Professional Account Management LLC ). In case legal action becomes necessary :