CERTIFIED MAIL #
My name
My address
CBCS
Their address
February 7, 2008
Re: Account # XXXXXXX
To Whom It May Concern:
This letter is being sent to you as you are reporting on my personal credit report. Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act.
This is NOT a request for “verification” or proof of my mailing address, but a request for FULL MEDIA VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that (a) the account is valid, (b) the amount allegedly owed is accurate, and (c) I have a contractual obligation to pay CBCS for this alleged debt.
All of the following MUST be provided to adequately validate the authenticity of the alleged debt AND provide proof of my contractual obligation to CBCS for this alleged debt:
• Signed credit application between myself and the original creditor
• Copies of all signed vouchers from the date account was opened until default
• Copies of all statements from the date account opened until default
• Proof of the statute of limitations
• Proof of agreement that you were hired by the Original creditor (creditor as defined by the FDCPA) or
• A copy of the contract CBCS purchased the alleged debt.
• If the alleged debt was purchased, provide a copy of an agreement between CBCS and myself, signed by me, stating that
I have a contractual responsibility to CBCS for the alleged debt.
• Provide proof that CBCS is bonded/Licensed for debt collecting in the State of Missouri.
Be advised that failing to provide ALL of the media requested to validate the alleged debt will invalidate any and all claims CBCS is asserting regarding this alleged debt. If CBCS can NOT provide all of the validation media requested above, ALL collection efforts MUST be stopped and the account MUST be DELETED from the CBCS database. If you can NOT validate your claim, you can NOT, by law, collect on it, or SELL it to another collection agency. PLEASE GIVE THIS MATTER THE ATTENTION IT DESERVES.
If your offices are able to provide all of the validating media as requested, I will require at least 30 days to investigate this information.
I am also stating, in writing, that no telephone contact be made by your offices. 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 communications with me MUST be done in writing and sent to the address noted in this letter by United States Postal Service.
Thank You,
my name typed
Ok, I reworded the letter I posted first..........how about this...........if so I am sticking in mail in just a few hours.
Message Edited by sidewinder on
02-07-2008 08:23 AMMessage Edited by sidewinder on
02-07-2008 08:23 AM
