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Debt is not yours. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$1100.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full legal validation of the above-referenced alleged debt. I, XXXX XXXX, do not acknowledge nor accept any liability for this account. You are hereby instructed to cease all collection activity and credit reporting until full and proper legal validation is provided. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Cod