I am disputing a debt in the amount of approximately $350.00 that is being reported by a third-party collection company. I do not recognize this debt and have no knowledge of ever having an account or financial obligation with either the collection agency or the company that allegedly originated the debt.
To date, I have not been provided with any documentation proving that this debt belongs to me, that I entered into an agreement with the original creditor, or that the collection agency has the legal right to collect on the account. I have not received copies of any signed contracts, account statements, payment history, or other records linking me to this alleged debt.
Additionally, I have not been provided with documentation showing that the collection agency purchased, was assigned, or otherwise obtained the right to collect this debt from the original creditor. Without such documentation, I have no way to verify the validity, ownership, or accuracy of the account being reported.
Because I have not been provided with sufficient evidence that this debt is mine, I believe the reporting may be inaccurate. I am requesting that the company provide complete validation of the debt, including documentation identifying the original creditor, proof that the debt belongs to me, the amount allegedly owed, and proof of the collection agency 's authority to collect the debt. Until such documentation is provided, I dispute the accuracy of this account and its reporting.
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