Product: Debt collection

XX/XX/2023 Re : Credence XXXX : XXXX Dear debt collector : I am responding to your contact about a debt you are trying to collect. You contacted me by mail in a letter dated XX/XX/2023 and identified the debt I allegedly owe XXXX XXXX. Please supply the information below so that I can be fully informed. 

Why you think I owe the debt, and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, specifically : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 
I have asked for this information because I have some questions about this debt. Because of my questions, please consider the debt to be disputed at this time. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. In addition, you should state in any report that you have failed to fully verify the debt in response to my request. 

If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Please let me know whether you are prepared to accept less than the balance you are claiming is owed on this account. If so, please tell me in writing your offer to accept less than the full balance. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XX/XX/2023 Since I sent the debt verification request within 30 days of first contact, Credence Resource Management must stop trying to collect payment until it verifies that the debt is mine. 

Its a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to my debt verification letter. 

Therefore, I will file a complaint with the CFPB, the Federal Trade Commission, and my state 's attorney general. 

XXXX XXXX XX/XX/2023 Re : Credence Reference : XXXX To whom it may concern : Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me concerning any and all alleged debts you contend I owe. 

Since you have still not complied with this request despite my email from XX/XX/2023, I have filed complaints with the Consumer Financial Protection Bureau and the Iowa Attorney XXXX XXXX. Civil claims will be pursued as counterclaims in small claims court. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX