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Fill and Sign the Victim of Identity Theft What to Do to Protect Myfico Form

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- 1 - (Your name) (Your Address) (Your City, State, Zip Code) (date) (Company name) (Contact person) (Company address) (company city, state, zip code) Re: Verification of alleged debt pursuant Section 809 of the Fair Debt Collection Practices Act (FDCPA) covering validation of debts: Case # . Dear Sir or Madam: Thank you in advance for your attention to this matter. Sincerely, - 2 - Describe the incident in your own words in the space indicated above. In order to have proof that your letter was mailed and delivered, send by certified or registered mail with return receipt requested. VALIDATION OF DEBTS (Section 809) Within 5 days of the debt collector’s first communication with the consumer, the debt collector must provide the consumer a written notice (if not provided in the original communication) containing:1. the amount of the debt 2. the name of the creditor 3. a statement that the debt collector will assume the debt's validity unless the consumer disputes it within 30 days of receipt of the notice 4. a statement that the debt collector will send a verification of the debt or copy of the judgment if the consumer disputes the debt within the 30 day period, and 5. a statement that the debt collector will identify the original creditor upon written request within the 30 day period if different from the current creditor If the consumer disputes the debt, or any portion of a debt, or requests identification of the original creditor in writing, within the thirty day period, the debt collector must cease collection of the debt, or any disputed portion, until the debt collector verifies the debt and mails a response. A debt collector may continue collection efforts during the consumer’s 30 day period to give notice of a dispute until the debt collector receives notice from the consumer. I dispute the alleged debt associated with the above mentioned case number. I expect you to cease your collection efforts immediately as required by Section 809 of the FDCPA until you send me written verification of the debt. / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / I dispute (specify charges, interest, penalties) pertaining to the alleged debt associated with the above mentioned case number. I expect you to cease your collection efforts pertaining to the disputed portion of the alleged debt immediately as required by Section 809 of the FDCPA until you send me written verification of the debt. / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / / Please provide me with verification of the alleged debt associated with the above mentioned case number together with the name and contact information of the original creditor. I expect you to cease your collection efforts as required by Section 809 of the FDCPA until you send me written verification of the debt together with the name and contact information of the original creditor. - 3 - (your name) (your Address) (your city, state, zip code) (date) (company name) (contact person) (company address) (company city, state, zip code) Re: Violation of Section 809 of the Fair Debt Collection Practices Act (FDCPA): Case # . Dear Sir or Madam: Your collection activities in attempting to collect the alleged debt associated with the above mentioned case number have violated Section 809 of the FDCPA. On , I requested in writing verification of the alleged debt associated with the above mentioned case number. On , you attempted to collect the alleged debt associated with the above mentioned case number before sending me written verification of the alleged debt as required by Section 809 of the FDCPA. You attempted to collect the alleged debt as follows: It is in our mutual best interest for you to send me the required verification and stop engaging in the above mentioned behavior. Thank you in advance for your attention to this matter. Sincerely, - 4 - (your name) (your Address) (your city, state, zip code) (date) (company name) (contact person) (company address) (company city, state, zip code) Re: Second notice of violation of Section 809 of the Fair Debt Collection Practices Act (FDCPA): Case # . Dear Sir or Madam: This is your second notice that your collection activities in attempting to collect the alleged de bt associated with the above mentioned case number violated Section 809 of the FDCPA. On , I requested in writing verification of the alleged debt associated with the above mentioned case number. On , you attempted to collect the alleged debt associated with the above mentioned case number before sending me written verification of the alleged debt as required by Section 809 of the FDCPA. On , you repeated the same violation as described below: It appears that you are engaged in a willful and persistent pattern of behavior rather than having made an isolated mistake. I do not have to remind you that the FDCPA provides consumers the right to bring a civil cause of action to recover damages caused by abusive, deceptive, or improper debt collection practices. It is in our mutual best interest for you to stop engaging in the above mentioned behavior. Thank you in advance for your attention to this matter. Sincerely, Enclosures: (list complaint letters to various government authorities and agencies and enclose copies with this letter)

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