Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of receipt of this registered letter (with return receipt) will begin my small claims action against your company. I will be seeking $5,000 in damages for the following: 1) Defamation 2) Negligent Enablement of Identity Fraud 3) Violation of the Fair Credit Reporting Act **In the top paragraph it states that they are currently in violation of both FCRA & FDCPA. How come when you list the violations FDCPA is not #4 or therefore listed at all?
That is a letter that 1 person created to suit his/her situation. You need to modify it for your own particular situation. If they have committed a violation of the FDCPA, then by all means ad a #4 reason. Also, unless you are alleging identity fraud, personally, I wouldn't use that line. I deleted it from my letters.
