Free Sample Debt Letter: Aggressive Follow Up After No Response to Validation Letter
To Whom It May Concern,
I have not heard back from you in over 30 days regarding my registered notice of dispute of [AccountItemList]. You have also not supplied the demanded proof of the alleged debt. Your continued silence is unacceptable.
For the record, I state again that since I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask that you return to me copies of the following information in addition to the form provided at the end of this letter:
* Agreement with your client that grants you the authority to collect on this alleged debt.
* Copies of all notices of repossession, proof of legal delivery of said notices.
* Full accounting of the proceeds of repossession sale, and proof of sale being held in a commercially reasonable manner.
* Account history including beginning balance, every payment received and date it was posted to the account, any fees charged to the account, interest and interest rate charged to the account, along with any other account information you may have available.
* Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor.
* Any insurance claims which have been made by any creditor regarding this account
* Any judgments which have been obtained by any creditor regarding this account
You have fifteen (15) days from receipt of this notice to respond. Your failure to respond in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter(s) in error. If in fact this error has been made, remove the tradeline from my credit files and this matter will be permanently closed.
Failure to respond within 15 days of receipt of this registered letter or failure of the removal of the incorrect information from my credit reports will force me to consider legal action in a small claims action against your company. I will be seeking damageshttp://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#813http://www.ftc.gov/os/statutes/fcra.htm#611
For the following: Violations of the FDCPA for the following:
Unfair practices (http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#808
False or misleading representation (http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#807
Violation of the FCRA because you state that you are responsible for how the tradeline is being reported to the credit reporting agencies, you are also in violation of the following: § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (http://www.ftc.gov/os/statutes/fcra.htm#623
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
I affirm under penalty of perjury under the laws of the United States of America, that the foregoing is true and correct, to the best of my knowledge and belief.
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