Consumer complaint received 2024-08-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear XXXX XXXX XXXX , I am writing to formally dispute the debt account number XXXXXXXX XXXXXXXX, Account number, XXXX, that you claim I owe. I believe your actions in attempting to collect this debt violate the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

Specifically, I have not received the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). This information is essential for me to verify the legitimacy of the debt. Without this validation, you have prematurely reported this account to a consumer reporting agency, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furthermore, your actions in attempting to collect this debt without providing the necessary disclosures required by law constitute a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

Therefore, I am formally requesting written confirmation of the following items : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Information About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Provide me with a copy of the original purchasing agreement of the debt between you the original creditor. 
Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account.

Whether your firm has a debt collection license/bonded in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license. 
Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license.

I further dispute this debt and invoke my rights under the FDCPA U.S.C. 15 Code 1692 ( k ) and any other applicable state laws.

I request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute. 
Please note : If you have reported invalidated and inaccurate information to any of the three major Credit Bureaus XXXX XXXX, XXXX, or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. 

Accordingly, if any invalidated or inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. 

Please respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to providing the above information, please let me know in writing if you are prepared to accept less than the debt you are claiming is owed. 

Sincerely, XXXX XXXX XXXX XXXX