sure, i dont mind at all...
Dear Dummy Collection Agency,
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I as not aware of this debt until now, and under my rights under the FDCPA, I request you validate this debt.
SIncerely,
Me.
Bank of America Privacy Assist Premier
TU - 616
EX - 607
EQ - 600
Hope to be in 700's by the end of 2011