This was sent to Portfolio Recovery Associates Inc in Norfolk, Virginia and copied to The Royal Gazette.October 10, 2012To Whom It May Concern:This letter is being sent to you in response to a "phishing" phone call to me on October 9, 2012. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.Please be advised that I have contacted Capital One Bank about the account in question and they have confirmed that I do not have nor have I ever had an account with their bank. I have, for my protection and for the protection of the population of Bermuda, copied in the Bermuda Police Service, the Director of the Bermuda Financial Intelligence Agency and the editors of both of our local newspapers.This is not a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.Please provide me with the following:l What the money you say I owe is for;l Explain and show me how you calculated what you say I owe;l Provide me with copies of any papers that show I agreed to pay what you say I owe;l Provide a verification or copy of any judgment if applicable;l Identify the original creditor;l Prove the Statute of Limitations has not expired on this accountl Show me that you are licensed to collect in my statel Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaux (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:l Violation of the Fair Credit Reporting Actl Violation of the Fair Debt Collection Practices ActIf your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment, unless you are informing me you consider this matter settled or you are removing this account from my credit report.If your offices attempt telephone communication with me other than the two circumstances above, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.KEVIN D McCOTTRYSouthampton