Description

To Whom It May Concern, I am writing to formally dispute the validity of a debt that has been reported under my name. I have recently been contacted by January Technologies Inc., claiming they purchased a debt originally owned by another collector. However, I have no knowledge of this debt and firmly assert that it is fraudulent. At the time of the alleged debt, I was a victim of identity theft. This debt was not authorized by me, nor did I receive any services or funds related to it. Furthermore, January Technologies has failed to provide me with the original statement or any verifiable documentation proving that this debt is legitimately mine. According to the Fair Debt Collection Practices Act (FDCPA), I am requesting full validation of this debt, including: • The name of the original creditor, • The original account number, • A copy of the signed agreement or application, • A complete payment history, • And any documentation showing I had knowledge of or responsibility for this debt. Until this information is provided, I do not acknowledge this debt and request that all collection activity cease immediately. Additionally, this fraudulent account must be removed from all consumer credit reports in accordance with the Fair Credit Reporting Act (FCRA). Sincerely,