April 19

Topics: Credit score, Fair Credit Reporting Act, Fair Debt Collection Practices Act Pages: 2 (556 words) Published: April 22, 2015
April 19, 2015
Aaron Parsons
2621 Iowa Street #1
Cedar Falls, Iowa 50613

CAVALRY PORTFOLIO SERVIC
500 SUMMIT LAKE DR 400
VALHALLA, NY10595
Account Number 1934XXXX
To Whom It May Concern,
I am sending this letter to you in response to a notice I received from you on (10/29/14). 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 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;
Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor;
Prove the Statute of Limitations has not expired on this account; Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.
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. Also...
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