Here's one that worked for me recently... it's basically just a slightly modified version of one that I found here. Hope it helps... good luck! Kirk CA Name CA Address CA City, State, Zip Re: Account ###### NOTICE OF INTENT TO FILE LAWSUIT To Whom It May Concern: This letter shall serve as formal notice of my intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. On 9-16-02 I sent a demand for validation letter. This was sent certified mail (71133111111111111111) and was signed for by Joe Blow on 9-18-02. On 10-18-02, I sent a second letter requesting that you remove this incorrect and derogatory information from my credit report within 15 days of receipt. This letter was also sent via certified mail (71133111111111111111) and was signed for by an employee of your company on 10-22-02. On 10-04-02 I was denied credit based solely on the incorrect information that you are reporting. On 10-21-02 you verified this account with Equifax Credit Services despite the fact that you had failed to respond to my initial demand for validation. The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. Also, when an alleged debt is disputed, a notation must be entered on the alleged debtors credit report showing the item as in dispute. Again, this was not done. Iâ??m sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. FCRA 1. § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2] (a)(3) Duty to provide notice of dispute. 2. § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] (5) Treatment of inaccurate or unverifiable information. FDCPA 1. § 805. Communication in connection with debt collection [15USC1692c] (c) Ceasing Communication 2. § 809. Validation of debts [15 USC 1692g] As per the FDCPA: § 813. Civil liability [15 USC 1692k] (a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- (1) any actual damage sustained by such person as a result of such failure; (2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000 If you wish to resolve this matter, this will be your last opportunity to do so. The following item must be deleted from my credit files within 72 hours of your receipt of this letter or by December 6, 2002 and you must forward a letter to me stating that it has been removed and will not reappear on my credit reports again by you or another collection agency. Account # whatever If this account is not deleted by December 6, 2002, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of $1000 per violation. Please also be aware I will also file a formal complaint with the Federal Trade Commission, The (your state) State Attorney General, and the Better Business Bureau. Thank you and I look forward to resolving this matter. Name Address City, State, Zip Phone # SSN # DOB
