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Debt is not yours. Dear Midland Credit Management, I am writing to address the alleged debt you are attempting to collect from me. Be advised that this communication is a formal notice of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and my demand for immediate compliance with federal consumer protection laws. Let me be unequivocally clearthe collection accounts listed below that appear on my consumer report represent flagrant violations of my rights and will not be tolerated. I demand their immediate and unconditional removal. Account Number : XXXX Your company has failed to provide the information I previously requested, in direct contravention of legally binding regulations. Let me remind you : 15 U.S.C. 1681a ( 2 ) of the Fair Credit