MikeS Posted February 4, 2021 Report Share Posted February 4, 2021 Hi everyone. Today I received a letter from Afni, Inc. saying "....STATE FARM BANK, F.S.B. account has been acquired...." For past debts, I have sent very simple DV letters straight to the point such as: To Whom It May Concern: I dispute the above-referenced debt and request validation. I've read that this JDB is not good about responding to these and continues to report to credit agencies. I'm wondering in this case if I should be a little more forceful with the letter in asserting my rights if they violate them such as: To Whom It May Concern: I dispute the above-referenced debt and request validation. Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (8), stating your claim is disputed and validation is requested. This is a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices have reported invalidated information to any of the 3 major credit bureaus (Equifax, Experian or TransUnion) this action might constitute a violation under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following: · Violation of the FCRA · Violation of the FDCPA Thanks as always for the great help this forum provides Quote Link to comment Share on other sites More sharing options...
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