To whom it may concern : This letter is being sent to you in response to the above reference account that A-1 Collection Agency, has reported and listed on all XXXX major credit reporting agencies ( XXXX, and XXXX XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and Validation is requested. 

This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX XXXX ) this action might 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 companies that you represent. I will not hesitate in bringing legal action against A-1 COLLECTION AGENCY, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character. 

If A-1 COLLECTION AGENCY, is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating 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 a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

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. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment, if your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. 

All future communication with me must be done in writing and sent to the address noted in this letter by USPS. 
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records ; any information obtained shall be used for that purpose. 

Sincerely, XXXX XXXX