Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.