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September 18th, 2007
Palisades Collection LLC
200 South Executive Drive - 3rd Floor
Brookfield Wisconsin 53005
RE: Account Number XXXXXXXXXXXXXX4606
To Whom It May Concern:
It has come to my attention as of September 11th, 2007 that you have placed a derogatory remark on August 26th, 2007 to my credit bureau files referencing the above-mentioned account which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:
Defamation
Negligent Enablement of Identity Fraud
Violation of the Fair Credit Reporting Act
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Sincerely,
xxxxxxxxxxxxxxxx
cc: Equifax
Experian
Transunion