Due to recent reports of XXXX from debt collectors I am inclined to investigate my account with that being stated consider this letter my notice of dispute over the validity of this alleged debt. In addition, I have a few questions that I'd like you to answer in order that I might ascertain whether the alleged debt is indeed binding upon me, thus you are in receipt of notice under the authority of The Fair Debt Collections Act regarding the above listed action. 

It is not now nor has it ever been my intention to avoid paying any obligation that I lawfully owe. In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the alleged debt : 1. Please furnish a copy of the original contract redacting the assigned social security number to prevent identity theft and state under penalty of perjury that you are the Creditor and holder in due course of the contract and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters. 

2. Please produce the accounting and general ledger statements showing the full accounting of the alleged obligations that you are now attempting to collect. Also, I request the CUSIP number for the application. 

3. Please identify by name and address all persons, corporations, associations, or any other party having an interest in legal proceedings regarding the alleged debt. 

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of the debt and are proceeding with collection activity in the name of the original maker of the contract. 

5. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as so-called forum selection clauses, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

6. Please provide verification from the stated creditor that you are authorized to act for them. 

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of a debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing which you know is false with the intention that others rely on the written communication to their detriment. 

8. Please limit your communication with me to writing only. If I receive any phone calls from your company, I will consider them to constitute harassment. Please be advised that unwanted telephone calls are a class 1 misdemeanor in this state and I will file a complaint against the caller with the attorney generals office. I maintain a telephone log of each phone call and in some cases, make an audio recording when necessary. Be advised that you have the right to remain silent. If you ignore this notice and contact me by telephone, you and your employees agree to allow me to make an audio recording of our conversation and you and your employees agree to allow the recording and any other information to be used against you and your employees in a court of law. I will accept only your written communication. 

9. Be advised that I am not requesting a verification that you have my mailing address, I am requesting a validation ; that is, competent evidence that I have some contractual obligation to pay you. 

10. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. 

11. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 



Very Truly Yours XXXX XXXX