To Whom It May Concern:**This letter is regarding the account which you claim I owe $***.**. This is a formal notice that your claim is disputed.**I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting "Validation"* that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay you.**Please also be aware that any negative mark found on my credit reports (including Experian, Transunion and Equifax) from your company or any company that you represent, for a debt that I don't owe, is in violation of the FCRA & FDCPA* therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.**Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.**Failure to respond within ** days of acknowledgement of the letter*email may result in small claims legal action against your company at my local venue. I would be seeking a minimum of $**** in damages per violation for:*Defamation*Negligent Enablement of Identity Fraud*Violation of the Fair Debit Collection Practices Act (including but not limited to Section ***-*)*Violation of the Fair Credit Reporting Act (including but not limited to Section ***-b)**Please Note: This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.**My contact information is as follows:*Erika Jackson***** Suttles Court*Fredericksburg Va *********-XX-******P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with company via online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below:**Cc: Consumer Financial Protection Bureau*Cc: Attorney General's Office*Cc: Better Business Bureau
GetHuman1203584 did not yet indicate what Credit One Bank should do to make this right.