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<Name> <Address> <Collection Agency> <Collection Agency Address> <Date> Re: Acct XXX-XX-XXXXX<P> I just pulled a copy of my credit

report and noticed that your agency is reporti ng that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt. Sincerely, <Your Name>

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