Collection Agency Licensing Verification & Unlicensed Collection Demand

[CLIENT FULL NAME] [CLIENT ADDRESS LINE1] [CLIENT CITY], [CLIENT STATE] [CLIENT ZIP] Phone: [CLIENT PHONE] Email: [CLIENT EMAIL] Date: [TODAY] [RECIPIENT NAME] [RECIPIENT ADDRESS BLOCK] RE: DEMAND FOR PROOF OF STATE COLLECTION LICENSE AND SURETY BOND Account Number: [ACCOUNT ACCOUNT NUMBER MASKED] Original Creditor: [ACCOUNT ORIGINAL CREDITOR] Collector Reference #: [ACCOUNT COLLECTOR REFERENCE] Dear [RECIPIENT NAME], I am writing to inquire into your legal authority to engage in debt collection activities in [STATE NAME] regarding the above-referenced account. Under the statutory laws of [STATE NAME] (and applicable state trade practice statutes including, where relevant, the Virginia Consumer Protection Act, Va. Code § 59.1-200 et seq.), collection agencies and debt buyers are required to obtain an active collection agency license, register with state licensing authorities, and maintain a valid surety bond prior to contacting consumers or attempting debt collection. Collecting debt without active state licensing or bonding violates state law and constitutes an illegal action that cannot legally be taken, violating FDCPA 15 U.S.C. § 1692e(5) and 15 U.S.C. § 1692f. Therefore, please provide the following licensing verification within thirty (30) days: 1. License & Registration Number: Your active Collection Agency License number issued by [STATE NAME]'s regulatory authority. 2. Surety Bond Proof: Identification of your current surety bond on file with state regulatory bodies. 3. Registered Agent Details: Name and address of your registered agent for service of process in [STATE NAME]. If your entity is not properly licensed or bonded in [STATE NAME], you must immediately cease all collection activities, withdraw all trade lines reported to credit reporting agencies, and confirm in writing that collection efforts have ceased. Sincerely, [CLIENT FULL NAME] Sent via Certified Mail, Return Receipt Requested: [LETTER CERTIFIED NUMBER]