Debt collection: False statements or representation

Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that TD Bank USA has reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this account and request full validation of the alleged debt. Dispute & Request for Deletion As required by law, you are obligated to report only verified, accurate, and complete information to the credit bureaus. The reported information is incorrect, and if you can not verify its accuracy, it must be removed from my credit report immediately. Debt Validation Request Under the FDCPA, I am also formally requesting validation of this alleged debt. If you claim this debt is valid, I request that you provide : Proof of your legal authority to collect this debt. A full account statement with a breakdown of the balance. Copies of any signed agreements or original contracts proving my liability. Verification of the chain of ownership if this debt has been sold or transferred. A copy of any judgment ( if applicable ) authorizing collection. Orginal contract with wet signature If you are unable to provide the requested validation, you must immediately remove this account from my credit report and cease any further collection efforts. Cease & Desist Notice Additionally, I am requesting that TD Bank USA cease and desist all communication with me regarding this disputed matter. Any further contact regarding this alleged debt must be done in writing. I expect a written response within 30 days confirming the results of your investigation. Failure to comply with this request may result in legal action to enforce my rights under the FCRA, FDCPA, and other applicable laws. Enclosed, I have included : A copy of my credit report highlighting the disputed information. Any supporting documentation to substantiate my claim. Please update my records accordingly and provide confirmation in writing once this matter has been resolved. Sincerely, XXXX XXXX