In reviewing my Annual credit report I notice a negative filing by LVNV Funding with the Condition listed as derogatory and a balance $2106.00 as a chargoff I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g, to inform you that I dispute the alleged debt associated with account 544045005707 with [LVNV]. I do not believe that I owe the amount alleged by you.
As said above this the time seeing this. Thus I am requesting that you provide the following information:
• Please explain the nature of the alleged debt - that is, what the money I allegedly owe is for;
• Please provide an accounting explainign how you calculated what you allege that I owe;
• Please provide me with copies of any contracts or documents which form a basis for the alleged debt; and
• Please provide me with the name and address of the original creditor.
I further request that you take the following actions:
1. Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt; and
2. Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt.
Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA: It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt, or stating that you are taking a specific action in relation to the debt such as commencing a collection lawsuit. Any further contact should be made in writing, and should be submitted to my home address by mail.
0 comments