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Debt is not yours. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Georgia XXXX XX/XX/XXXX To Whom It May Concern : I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it is not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Act ( FDCPA ) so let it be known that I am requesting Full validation of this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contacts with me to writing only, and only when you can provide adequate validation of this alleged debt. For your memory on what constitutes legal validation