Date:XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX To : First Credit Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX RE : Debt Validation Request To Whom It May Concern please be advised that this is not a refusal to pay, but a notice that your claim is being disputed and validation is requested. As this is mentioned and listed 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. Prove to me beyond a reasonable doubt that I have a signed contract with your company agreeing to pay First Credit Services for this alleged debt. Please prove that you are the original creditor. 

This is NOT a request for verification or proof of my mailing address, nor is it a request for ownership of legal rights to a debt but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I hereby order you and 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 report 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. First Credit Services has violated section 805 for the FDCPA Communication in Connection with Debt, section Harassment and Abuse by making calls to my personal phone number. Furthermore once any debt once any debt collector obtains a debt the debt collector is obligated to send notification to the consumer within 5 business days that they own the debt. AT this time I have received no such letter from First Credit Services stating that they own this debt which a violation of the FCRA. How did you obtain my financial information and when did I give you direct permission to contact me? If this cant be proven then you have violated FDCA laws. Please also provide First Credit Services License and Bond number in your response within 30 days so that I may file a complaint regarding your companys failure to follow the FDCPA. 




Regards XXXX XXXX cc Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX