To whom it may concern: This letter is being sent to you in response to a listing on my credit report. This is a notice that your claim is disputed. This is a request for a validation: competent evidence that I have some contractual obligation to pay you, made pursuant to the Fair Debt Collection Practices Act. Documents required for complete validation: Â·Complete and itemized evidence indicating any and all services rendered by your client, along with the associated charges, for which you claim I am liable, as well as proof from your client that such services were actually rendered to me Â·A copy of the contract, bearing my signature, wherein I have agreed to pay for such services Â·An itemized accounting of the alleged debt after it was turned over to Stallings Financial Group Inc for collection efforts Â·The assignment or purchase agreement for the alleged debt between (name of CA) and (name if OC). Please be advised that any further attempt to collect this debt, without first providing the required validation, is a violation of the Fair Debt Collection Practices Act 15 USC Â§ 1692g(b). Additionally, any demands for payment made through the United States Mail System, without first providing the required validation, may also constitute mail fraud under federal law (18 USC Â§ 1341). Further, if you do not respond, or are unable to validate this debt, within 30 days of your receipt of this letter all, references to this account must be completely removed that have been placed with a Consumer Reporting Agency, as defined by 15 USC Â§ 1681a(f). Failure to do so represents violation of the Fair Credit Reporting Act 15 USC Â§ 1681s-2(a)(1). Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely, Love They promptly replied with a letter on their letterhead, stating my ssn, the original balance, current balance $0, OC name, date that the account was listed with them, date the debt was incurred on, and the present status (which is paid). Should I send an intent to sue letter or the nutcase letter next? Any other suggestions?