I dispute the above debt and the amount of the debt and am writing to request that you verify the debt as required by the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g, and the California Fair Debt Buying Practices Act, Civil Code § 1788.50 et seq.

Within fifteen (15) calendar days of receipt of this letter, please provide me with all of the information listed in California Civil Code §§ 1788.52(a)-(b) as required by Civil Code § 1788.52(c).

Please be advised that reporting information known to be inaccurate to the credit bureaus is a violation of the Fair Credit and Reporting Act, 15 U.S.C. §§ 1681 et seq. Further, any attempts to collect on a debt that is not owed, is in dispute, and which has not been verified, violates California Civil Code § 1788 et seq. and the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. [If senior citizen: Please also be advised that I am a senior citizen, and failure to abide by these laws may result in further damages pursuant to California Civil Code § 3345.]