Product: Debt collection

I received a debt collection letter from Oneadvantage_XXXX XXXX XXXX XXXX XXXX, on around XXXX XXXX ; in response to this debt collection letter from Oneadvantage I sent them a debt verification letter as follows " Date : X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ONE advantage XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : Account # ( XXXX ) Certified Mail Article # XXXX XXXX XXXX XXXX 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 and Defamation of Character. 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. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Copy of the contract between you and your client and or creditor in this case. Proof that you are licensed and bonded. Agreement that bears the wet signature of the alleged debtor wherein he/she agreed to pay the creditor. A complete transaction history from the creditor to include every charge, payment, interest rate, fees, etc, via the creditors system. 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 via the creditors system. Explanation of how this amount was calculated via the creditors system. Amount the debt collector paid for the debt if the debt was purchased. Produce notarized evidence from the original creditor that you are authorized to act for them. If you are a third party debt collector, produce evidence that you are a 3rd party debt collector and have not purchased this debt and that you are collecting this debt on my behalf and or on the behalf of the original creditor. 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 via the creditors system. Commission for debt collector if collection efforts are successful. Response within 30 days is requested. Please provide the name and address of the bonding agent for COLLECTIONAGENCY 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., To date Oneadvantage has not validated this debt per Fair Debt collection Practices Act ( FDCPA ) and may have violated state and federal laws by placing this account with a major credit reporting bureau ( s ) without validating this debt!