{TODAYDATE}

{NAME}
{ADDRESS}
{CITY}, {STATE} {ZIP}
 
 
{CREDITOR}
ATTN: All persons at this address
{CREDITORADDRESS}
{CREDITORADDRESS2}
 
RE: {ACCOUNTNUM}
 
 

To Whom It May Concern:

This letter is in reference to account number {ACCOUNTNUM} that {CREDITOR} is reporting

to the credit bureaus. I am confused to why this account has been reported to the three credit
bureaus Experian, Equifax, and Transunion when I have not received any correspondence from
{CREDITOR} concerning this alleged debt. My understanding is that {CREDITOR} is required
to send notice and allow 30 days to respond either by payment or dispute. I have listed below this
section to inform {CREDITOR} of its violation of the FDCPA.

The Fair Debt Collections Practices Act: United States code: Title 15 Chap. 41: Sec. 1609-
1692g.

Sec 1692g. C Validation of debts.

(a) Notice of debt

Within five days after the initial communication with a consumer in connection with the
collection of any debt, a debt collector shall, unless the following information is contained
in the initial communication or the consumer has paid the debt, send the consumer a
written notice containing C

(1) The amount of the debt;

(2) The name of the creditor to whom the debt is owed;

(3) A statement that unless the consumer, within thirty days after receipt of the notice,
disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid
by the debt collector,
(4) A statement that if the consumer notifies the debt collector in writing within the thirty
day period that the debt, or any portion thereof, is disputed, the debt collector will obtain
verification of the debt or a copy of a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer by the debt collector; and

(5) A statement that, upon the consumers written request within the thirty-day period, the
debt collector will provide the consumer with the name and address of the original
creditor, if different from the current creditor.

(b) Disputed debts.

If the consumer notifies the debt collector in writing within the thirty-day period described
in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the
consumer requests the name and address of the original creditor, the debt collector shall
cease collection of the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or a copy of such verification of judgment, or name and address of
the original creditor, is mailed to the consumer by the debt collector

(c) Admission of liability

The failure of a consumer to dispute the validity of a debt under this section may not be
construed by any court as an admission of liability by the consumer.

 
I am exercising my rights under the FDCPA by requesting VALIDATION of this alleged debt.
Because I have never done business with {CREDITOR} I am requesting a copy of the contract
assigning {CREDITOR} this alleged debt. I also am requesting a copy of the original contract
with the original creditor to who {CREDITOR} states I owe. I need an itemized statement of
how this alleged debt has been calculated and if any collection fees or interest have been applied.
 
Until this matter is resolved, I firmly request that {CREDITOR} stop all collection actives per
the Fair Credit Reporting Act. I am keeping records of all communications with {CREDITOR}
and if needed, I will file a complaint with the CFPB, FTC, and {CREDITOR} state attorney
general.
 
 
Please give this matter your prompt attention.

Sincerely,

{NAME}