John
123 homestreet
Home Town USA
May 09, 2013
DICKMAN & DICKMAN
PO box Evil Co
Re: Acct # 7xxxxxxx
To Whom It May Concern:
I am sending this letter to you in response to a notice I received on my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please attach copies of all the following documents:
- Agreement with your client that authorizes you to collect on this alleged debt.
- Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.
- Complete payment history on this account, to prove that the amount you wish to collect is accurate.
- Identify the original creditor.
- Proof that you are licensed to collect in my state.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
- Violation of the Fair Credit Reporting Act
- Violation of the Fair Debt Collection Practices Act
- Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, all future communications with me be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
John
