I do not believe I owed what the creditor says I owed. To my best of knowledge, I had never received anyone who contacted me about an unpaid balance. I do not recall this debt, and as a result this debt may have been fraudulently conceived. I respectfully ask that you provide me with the following documents to verify that I in fact, owe this debt. 
1. A written contract between the original Creditor and myself, that was signed by me. 
2. All monthly billing statements that show the location of purchases or balance transfers and the amount of each, that lead to the calculation of the balance you claim I owe.. 
3. Proof that you have the legal ability to collect debt in my state of Florida. 
4 Proof that you own this debt. 
5. Copies of any payments that were alleged to be made by me, or someone i authorized. 
6. Copies of receipts which shows my signature, or the signature of an alleged authorized user. 


Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : * Because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; * You can not add interest or fees except those allowed by the original contract or state law. 
*You do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; I asked for the company to verified the debt they sent back a letter that says XXXX XXXX XXXX that is not my name my name is XXXX XXXX XXXX XXXX 

I thank you in advance as I try to take the appropriate steps to separate my good name from possible fraudulent debts. 

Thank, XXXX XXXX XXXX