Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX Wisconsin XXXX ] [ XXXX ] [ XX/XX/year> ] Sequium XXXX Solutions [ XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ] Subject : Cease and Desist, Notice of Dispute, and Demand for Removal Under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA To Whom It May Concern, I Demand a Manual Review!! This is insane!!

This letter serves as a formal notice to cease and desist all forms of communication regarding the alleged debt associated with Account XXXX : XXXX. ( XXXX ) As outlined in 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing ( this letter here ) that they refuse to pay an alleged debt, the debt collector must cease all communication.

Reporting this debt to credit reporting agencies also constitutes a form of communication, which must immediately cease. Please! 

Violation of FDCPA and FCRA Your reporting of this alleged debt violates consumer rights for the following reasons : I dont know you or this debt with you! There was. O notification via certified mail to me about this nor a signed contract from me about this alleged debt! 
1. No Written Permission : I have never provided written consent for XXXX XXXXXXXX XXXX or any other entity to report or communicate my personal information to credit reporting agencies. This violates 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), which requires permissible purpose for reporting information. 
XXXX. No Valid Contract : I do not recognize this debt, nor do I have a signed agreement or contract with XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX validating the alleged obligation. 
XXXX. Inaccurate Information : The reported details include significant inaccuracies ( e.g., opening and reporting dates, payment history, and account type ). If you can not verify the accuracy, the account must be removed per 15 U.S.C. 1681i ( a ) of the FCRA.

Demand for Validation and Physical Review Under 15 U.S.C. 1692g ( b ), I request detailed validation of this debt, including : A signed original agreement proving I owe the debt. 
Full documentation proving your legal right to collect this debt. 
A detailed itemization of the alleged balance. 

Demand for Immediate Deletion You are hereby instructed to remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ) due to failure to comply with consumer protection laws. Upon deletion, provide me with a written letter of confirmation to prove the account has been removed. 

I tried being nice and do this by addressing the consumer law violations prior to having to exercise my right to give you a Pre-Arbitration Notice, & Failure to comply with this notice within 30 days will result in escalation, including arbitration under the FDCPA and FCRA, where I will pursue statutory damages for your violations, including unauthorized communication and reporting. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This is a formal notice under the FDCPA and FCRA. I expect your full compliance and written acknowledgment of this letter. 

Please send a Notification Letter of deletion via my email XXXX so that I can have proof to send to the consumer reporting agencies for immediate removal as you guys have assassinated my character for way too long and my life has been altered because of this! 

Sincerely, [ XXXX XXXX XXXX XXXX