Agressive Follow Up to Print Out Response from Agency

[Credit Expert]

Free Debt Letter Template: Agressive Follow Up to Print Out Response from Agency

This letter is to: Send when a collection agency responds with a computer screen print out.





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Dear Collection Agency,

I have received your attempt at validation of the above mentioned account and have several issues to address with your “claim” that I owe this ALLEGED debt to your organization.

First, you have not, by any means, managed to prove to me that I owe this alleged debt to YOUR organization. You have not provided me with a signature that undoubtedly proves that I have some sort of contractual obligation to pay YOU (OR provided me with a complete statement of accounting as required by law to be considered full and complete validation).

Second, you have also not sufficiently proven to me that I owe this alleged debt to (Creditor Name Here) by providing me with a copy of a signature on a contract that I supposedly signed (OR provided me with a complete statement of accounting as required by law to be considered full and complete validation). You have merely supplied me with copies of alleged bills on the account in question (OR contract). This does not sufficiently prove that there is any legal or contractual obligation between myself, your agency or the creditor.

If you cannot provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA.

(Optional) Fourth, I do not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to the FTC and the BBB. This was completely uncalled for as I am acting within MY rights under the FDCPA and FCRA.

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

I, again, request that your company PROVE to me, beyond a doubt, that I incurred this alleged debt by providing to me a copy of my signature on some type of contract.

I also request that your company IMMEDIATELY abide by the rules and regulations of the FDCPA and CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus.

Sincerely


Consumer


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