Product: Debt collection

Re : Agency ID : XXXX This letter serves as a formal cease and desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), regarding the text message I received from your company on XX/XX/year>, about a collection account allegedly assigned to you by XXXX XXXX. 

First, I must clarify that my legal name is XXXX XXXX, not XXXX XXXX, as referenced in your communication. This discrepancy leads me to believe that this alleged account may have been opened under false pretenses, fraudulently using incorrect personal information. 

Additionally, this creditor has already been successfully disputed and deleted from my credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, after I challenged the validity of this account. The removal of this account from my credit reports indicates that the information you are attempting to collect is inaccurate or unverifiable. 

I also want to address that I never received a written notice via mail from your company, as required under 15 U.S.C. 1692g ( a ) of the FDCPA. This failure to provide the legally required written notice outlining my rights to dispute the debt or request validation within 30 days of your initial communication is a clear violation of the FDCPA. 

Under the FDCPA, I am exercising my right to demand that you cease all communication with me regarding this matter. Effective immediately, you are instructed to cease all contact with me via phone, text, email, or any other method of communication. Any further attempts to contact me, except as permitted by law, will be considered a violation of the FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and/or a private attorney. 

Additionally, under 15 U.S.C. 1692g ( b ), I am disputing the validity of the alleged debt. I demand that you provide full validation of this debt, including but not limited to : 1. Proof that I owe the amount claimed. 
2. The original creditors name, address, and account number.

3. A detailed account statement showing how the amount was calculated.

4. Proof of your authority to collect this debt on behalf of the original creditor.

5. Copies of any agreement or contract I allegedly signed with the original creditor.

6. Proof that your agency is legally licensed to collect debts in my state. This includes your license number, the issuing state agency, and proof that you are in compliance with all state and federal licensing requirements. 

Until you provide the requested validation and proof of licensure, you are prohibited from attempting to collect this debt, as outlined in 15 U.S.C. 1692g ( b ). 

Additionally, if this account was indeed opened fraudulently or under false pretenses, I demand that you investigate this matter as a potential case of identity theft. Failure to act responsibly will result in legal action against your company for negligence, harassment, and violation of consumer protection laws. 

I expect a response to this letter within 30 days of receipt. If you are unable to validate the debt or provide proof of your licensure, I demand that this alleged account be permanently closed and that no further action be taken to pursue it. 

This letter is not an acknowledgment of the debt nor an agreement to pay. It is solely a demand for validation and cessation of unlawful collection practices.