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Third party Debt Purchasers
Attention: Compliance Department
Re: Credit reporting on alleged account under Social Security # ____________________
I recently reviewed my credit report to discover that you are reporting on my credit report. I have no knowledge of ever receiving a notice of collection from you nor have I had any direct dealings with you.
I also noticed you took it upon your self to report a false recent date of last activity which is against the Fair Credit Reporting Act and a clear violation of my consumer rights. I have already filed complaint with the Federal Trade Commission and my states Attorney Generals Office against you.Since you are alleging that I owe you monies, have a personal debt with you and are reporting on my credit report please forward the following information. I am disputing this debt is mine:
- Copy of the original application showing terms of agreement.
- Summary of my account activities – including all purchases, payments, late charges, date of payments received and date payments posted.
- All documents signed by me proving the amount of obligation.
- Documented proof that this is my obligation.
- Copy of the purchase agreement between ______ and your corporation.
- Copies of any and all collection notices sent me by your corporation.
If you cannot supply me with this pertinent information within 30 days, then I demand that you cease reporting this information and instruct the credit bureaus to remove the incorrect record from my credit reports.
Per the Federal Fair Debt Collection Practices Act you are also given notice to only communicate with me in writing. Any phone calls will be recorded and used against you. You may contact me in writing to inform me if you intend to evoke a specific remedy.
Your prompt attention to this matter is requested.
CC: Credit Bureaus
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