On XXXX XXXX, 2014 I received communication dated XXXX XXXX, 2014 regarding a past due amount of {$150.00}, with additional " interest '' of {$9.00}. 

On XXXX XXXX, 2014 I notified debt collector : " the communication you provided is vague and does not contain the necessary and specific information needed for my review. The Creditor name of " XXXX XXXX XXXX '' is ambiguous, vague and does not specific what this collection attempt is about. " Also requested and advised the debt collector : '' Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the details of : The alleged amount owed to the CreditorClearly outlined and specific details as to the reasons of the chargesContact information of the original Creditor for verificationDates of service reflecting the chargesServices provided on the dates of the incurred chargesDocumentation substantiating the chargesProof of serviceAny resolution agreement with CreditorMethodology of your arbitrary interest amount added to the alleged past due amountProvide me with copies of any papers that show I agreed to pay what you say I owe ; Proof the Statute of Limitations has not expired '' I have not received any of the verification or any communication, the collector has proceeded to wrongfully submit negative credit information to the credit bureaus. 

I have advised the Collector on XXXX XXXX, 2014 : '' If your offices have reported invalidated information to any Credit Bureau 's ( e.g. Equifax, Experian or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices ActDefamation of CharacterIf your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Any attempt to report this ambiguous and alleged collection attempt to any credit bureau will be reported to the Federal Trade Commission and the applicable court of law to seek restitution for damages to a credit history. ''