Debt Disruption

[Your Name] [Your Address] [City, State, Zip Code] Collections Collectors Inc. 69 Asshole Way New Jersey Re: Account No. 6186456, Alleged Creditor: Comcast, Alleged Debt: $421.33 Dear Sir/Madam, I am in receipt of your communication dated 05/06/2023, purporting to collect an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, the Rosenthal Fair Debt Collection Practices Act, Cal. Civ. Code § 1788 et seq., and relevant case law, I hereby demand validation of the alleged debt and cease and desist all collections activities pending the provision of said validation. In accordance with the aforementioned statutes, please provide: Validation of the alleged debt, to wit, a true and correct copy of the original signed contract executed by both parties (cf. Black's Law Dictionary, "Validation"); Proof of the sale and assignment of the alleged debt, including an unbroken chain of title, with properly executed documents bearing requisite signatures and dates, demonstrating your legal authority to collect; Documentary evidence establishing your compliance with state licensing requirements in both New Jersey and California, as mandated by Cal. Civ. Code § 1788.13; A detailed payment history, itemizing each and every charge constituting the alleged debt, demonstrating its accuracy and veracity; A copy of your company's policies and procedures, as they relate to the collection of this alleged debt, including all legally required notifications; Proof of your company's errors and omissions insurance coverage, as mandated by Cal. Civ. Code § 1788.15; An affidavit attesting to the timeliness of the alleged debt, pursuant to the statute of limitations as delineated in Cal. Civ. Proc. Code § 337, to ensure it has not expired. Please note that any violation of my rights to privacy, as enumerated in the California Constitution, Article 1, Section 1, may result in legal action against your organization. Upon receipt of the requested documentation, I reserve the right to challenge the veracity and accuracy of the alleged debt and request additional information as necessary. Failure to provide the requested information in a timely manner shall result in the immediate cessation of all collection activities, as per 15 U.S.C. § 1692g and Cal. Civ. Code § 1788.17. Please be advised that any further communications or attempts to collect the alleged debt absent the provision of the requested documentation may be considered harassment, as defined in 15 U.S.C. § 1692d, and may result in legal action pursuant to 15 U.S.C. § 1692k and Cal. Civ. Code § 1788.30. Your prompt attention to this matter is expected. Sincerely, [Your Name]