American Agencies
2158 West 190th Street Torrance CA 90509-2829
Dear Collector,
I am writing in response to the phone conversation dated 4/2/3002 and 8/12, because I do not believe that I owe what you say I owe for reasons stated below.
This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, and on 4/2 and 8/12, I respectfully request that you provide me, in writing, 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 the debt you say you bought.
Identify the original creditor;
Show me that you are licensed in my state, and provide me with your license numbers.
All of these requests are in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act
Since you have reported me to the credit reporting agencies (I check monthly), I insist that you inform them that I have placed this debt in dispute and provide me with proof that you have done so. I also demand that you immediately send a copy of this dispute letter to the company (creditor) that you say I owe money so they are aware of my dispute with this debt.
Please be advised that I have written a dispute letter to the Missouri Attorney Generals office with a copy of this letter, Disputed with the credit reporting agencies due to the fact of it being well over 5 days (SECTION 809 LAW time) to show proof of Debt, Reported you to the Better Business Bureau (you have a very bad report doing the same to others as you have me), and finally, I have made a complaint to the Federal Trade Commission All reports are in detail. I do keep very detailed records of everything.
On 8/17/03 I looked you up on the BBB website and obtained your address and fax number. I then mailed you and faxed you a copy of this letter without the updates now stated. You have still never sent poof even when you say you will. Its been since 4/2/03 I was promised proof 5 times in 4 months and not following through. On 9/6/03 I was informed by one credit reporting agency that you lied and said that you validated the bill with me. I am now contacting all credit reporting agencies by phone, calling for an attorney, and calling the Missouri Attorney Generals and Federal Trade commission to follow up with the report I made against you. I have given you plenty of time to give me proof in writing of any bill I owe as per the law states. I have enclosed a letter of my rights from the FTC website. I know the law well and will be following their advice.
Finally, in accordance with section 805 (c) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law.
Signature
Christina
columbia, Missouri
U.S.A.
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