This debt is in dispute and has been since XX/XX/XXXX. The original creditor is XXXX XXXX XXXX XXXX XXXX. First Associates Loan Servicing c/o XXXX XXXX XXXX is attempting to collect the debt. XXXX XXXX XXXX began initial written communication about this debt in XX/XX/XXXX and identified their organization as a debt collector. XXXX failed to provide information according to FDCPA 809.a.1-5 [ 15 USC 1692 ] that validates the debt, the original creditor and provide an opportunity for the dispute of this debt since they are not the original creditor as evidenced by the Truth in Lending Disclosure Statement ( attached ).