Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX IC SYSTEM Re : Cease and Desist to IC SYSTEM and Debt Validation for Alleged account charter communications To whom it may concern, This letter is being sent to you in response to an alert on my consumer report I received on XX/XX/XXXX about an alleged account in which you claim I owe {$260.00}. 
I refuse ownership of this debt. You furnished this alleged debt without proper procedures I have received no notice of this debt with the ability to dispute this false debt Per the proper procedures stated in the FCRA. 
Be advised that your claim is disputed, this is a request for validation, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g, and the Fair Credit Billing Act, 15 USC 1666 et seq. This is not a request for verification or proof of my mailing address. It is 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 or 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 or 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 Collection Practices Act, and Defamation of Character, violation of United States Code Title 18 Part 1 Chapter 63 1341 ( mail fraud ), violation of my privacy as a consumer, contacting me without my written permission, as well as, acquiring my location information. 
This debt is considered to be invalid, until I receive validation. 
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 XXXX will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 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. 
This is also a notice to cease all communication made by your offices to my home, phone, or to my place of employment. If your offices attempt to make telephone communication with me, it will be considered harassment, and I will have no choice but to file suit. All future communications with me must be done in writing, and sent to the address noted in this letter. 
I need to receive the following documentation from you : XXXX. Validation of the debt ( the actual accounting ) ; XXXX. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes, Federal Fair Credit Reporting Act, and Colorado State Statutes for Lawful Purposes. 
XXXX. A copy of the contract signed by both parties and therefore binding both parties. 
XXXX. Please provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability, and confirm that this note has never been sold. 
XXXX. Please also confirm the name of the individual, who is the daily authorized representative from your company, who has carried out due diligence, under The Money Laundering Regulations XXXX, and what actions he/she has taken, in relation to this account. 
I hereby give you ten ( 10 ) days from the above date, to reply to this notice with a written response/notice sent using recorded post, and signed under full commercial liability and penalties of perjury, assuring me and promising me that all of the replies given to the above requests are true and without deception, fraud or mischief. Failure to provide documentation within ten ( 10 ) days from the above date, to validate the alleged debt, will constitute your agreement to the following terms : That the debt did not exist in the first place. 
In response to this Ceasing Communication letter, in accordance with the Federal Fair Debt Collections Act, you may only contact to inform me that there will be no further collection efforts or to notify me that a specific action will take place.

Please be advised that I am well aware of my rights and know that any further contact by you or your XXXX company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law.

If you do not cease communication a lawsuit will be commenced against you. 
This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication is to continue. 
You have broken the law and violated the FDCPA FCRA and my rights as a consumer under the FDCPA and FCRA. Each violation to their maximum amount is {$1000.00} per violation. You are to cease debt collection, communication and delete this inaccurate incomplete item from my consumer report within 5 days of receiving this letter or I will be suing to the fullest extent for emotional distress, defamation of character, actual damages, punitive damages, and every violation of the USC code you have violated against me as the consumer pursuant to 15 U.S. Code 1681n sincerely, XXXX XXXX