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Debt is not yours. I am writing to formally demand that you cease and desist all further communication and collection efforts regarding the debt referenced in your communications. I am exercising my rights under 15 U.S.C. 192cc, which prohibits any form of harassment in the collection of debt.It has come to my attention that your company has been engaging in [ describe specific actions or behavior that constitute harassment for example, repeated phone calls, misleading statements, threatening language, etc. ]. These actions are in direct violation of the Fair Debt Collection Practices Act, and I am requesting that you stop any further attempts to contact me regarding this matter. As per 15 U.S.C. 192cc, I am exercising my right to demand that all communication be halted, and that no furthe