@LShawn08 wrote:
Dear Sir or Madam, I recently reviewed my personal credit reports and notice you are reporting a debt, that I allegedly owe to your company, account number ########## I am disputing this claim as I was born in 1990, which would have made me 16 years old, when this account was opened. This is a notice that I am requesting validation under the Fair Debt Collection Practices Act 809. Pursuant to the FDCPA, you must (a) provide the requested verification before continuing collection activity or (b) stop all collection activity 1. Amount of the debt you say I owe; 2. Please include the name of the original creditor; Is that generally what you mean ? I'm good at art and acting but no good at writing.
Looks good to me; make sure you check out htis thread for CMMR advice: http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Debt-Validation/m-p/7133
