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Threatened or suggested your credit would be damaged. I REFUSE TO PAY THIS DEBT. This is my formal request to cease collection activities and communication. Collection activities include reporting to consumer reporting agencies. My formal request for validation of the account in question. My formal request for ALL Original Account Level Documentation NOT AVAILABLE Original Account Level Documentation. Please provide the name of the person who claims to have requisite/personal knowledge of the facts, and geniuses or authenticity of the account including possession of XXXX documents. This person should be able to establish a prima facie case per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]. Requisite/personal knowledge can not be based solely upon the books and recor