False statements or representation: Debt collection

Specifically : The balance has nearly doubled from the original amount of $400.00 without proper explanation or validation. No documentation has been provided proving I am legally obligated for this debt. There is no clear record of the date of first delinquency, which is required for accurate reporting. I have not received proper validation of this debt as required by federal law. Under my rights pursuant to the FCRA and FDCPA, I demand the following : Full validation of the alleged debt, including : A copy of the original contract or agreement bearing my signature A complete payment history Documentation showing how the balance increased from $400.00 to $790.00 Proof that your agency is authorized to collect on this account Verification of reporting accuracy with all credit bureaus to which this account has been furnished Immediate deletion of this account from my credit report if you are unable to provide proper validation within the legally required timeframe Additionally, you are hereby instructed to cease all collection activities until this matter has been fully investigated and validated. Any continued reporting of unverified or inaccurate information may constitute willful noncompliance with federal law. Be advised that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action.