Re : Formal Dispute and Demand for Debt Validation Pursuant to the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding inaccurate, incomplete, or unverified information appearing on my credit report.
Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I am formally requesting that you conduct a reinvestigation of this disputed information, and that you provide me with a detailed description of the procedures used in your investigation ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within fifteen ( 15 ) days of completing your reinvestigation. Furthermore, under 15 U.S.C. 1692g ( b ) of the FDCPA, I am requesting that the furnishing party provide competent evidence of the alleged debt, including but not limited to : A copy of the original contract or agreement bearing my signature A full itemization of the alleged debt, including all principal, interest, fees, and other charges The name and address of the original creditor. If the above-referenced account ( s ) can not be properly validated or verified in accordance with the law, you are required to delete the disputed information from my credit file and provide notice of the deletion to any party that has received a copy of my credit report within the past six months ( or two years if for employment purposes ), as provided under 15 U.S.C. 1681i ( d ). Please be advised that failure to comply with these statutory obligations may result in the filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or initiation of legal action to enforce my rights. I expect your complete response within the timeframe mandated by federal law thirty ( 30 ) days from receipt of this notice, as set forth in 15 U.S.C. 1681i ( a ) ( 1 ).
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