This letter is being sent to you in response to a phone call received at my work on February 29, 2012. Be advised that 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 as the debt in question to our accounts with [Medical Facility]. We have made monthly payments to [Medical Facility], and continue to receive current billing statements from [Medical Facility] for these accounts.
Our first contact with your company in regards to this issue was on February 29, 2012 in the form of a phone message left at my place of work, stating to call ‘Dawn Rivers’ at XXX-XXX-XXXX. No account numbers were given, nor did your representative give account number information when my wife called to discuss the reason for the call.
[Scumbag Collection Company] is not the original creditor, and we have no prior agreement with your company; as such I have no obligation to deal with your company at this time.
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 offices provide me with competent evidence that I have any legal obligation to pay you.
I request that you provide me with the following:
* What the money you say I owe is for;
* Explain and show me how you calculated what you say I owe;
* Identify the original creditor;
* Provide me with proof that you are authorized to accept payments on behalf of the original creditor;
* Provide a verification or copy of any judgment if applicable;
* Show me that you are licensed to collect in the state of Virginia;
* Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this 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 in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 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 also demand, in writing, that no telephone contact be made by your offices to my home or to my place of employment. 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 made in writing and sent to the address noted in this letter by USPS.