I’m on a roll today!
Dear (Collection Agency Guy),
I am writing in response to your extremely rude phone call dated (date), about a certain debt that you are attempting to collect. The phone call I’m referring to is the second one where you were rude, yelled at me, threatened my credit report, pretended you were a private investigator, and then hung up on me. During this phone call, you declined to provide me with your company address when I requested it.
First, I dispute that this debt is mine and invite you to prove it.
Second, I have checked with my State Attorney General’s Office (OG’s name) and verified that the legal Statute of Limitations for collecting this type of debt in (state) is 4 years and has expired so that even if this debt were mine, your attempts at collection are unenforceable.
Third, you may not report this old debt to any credit bureau. (State) law does not allow you to report outdated negative information that is more than 7 years old. Doing so will open you and your company to a harassment lawsuit. If you have already done this, you will correct it immediately.
Now that we are aware of my rights in this matter, be advised that I consider this matter closed and demand that you or anyone affiliated with your company stop contacting me regarding this or any other matter except to advise me, via mail only, that your debt collection efforts are being terminated or that you or the creditor are taking specific action as allowed by law.
Sincerely,
Gripy Person
That last paragraph seems stiff…