Is "JP Morgan Chase Legal Department" is truly an in-house dept.?

I am trying to find out who "JPMorgan Chase Legal Department" really is in my state, which is not their headquarters state. Is it truly a branch office of the company's legal department or is it a law firm they contract with in another state to collect debts or is it really a debt buyer who uses their name for purposes of collection. All I know is they use JPMorgan Chase Legal Dept. on their return address and checking google shows that the phone number they give supposedly belongs to JPMorgan Chase. But I know these collectors can hide who they really are in a lot of ways I would not know of. If you have ever received a collection notice from JPMorgan Chase Legal Department and / or happen to know the answers to the above, please respond. Thank you.

send a follwing letter certified and resturn receipt

Month Day, 2007


Dear _____________________:

This letter is being sent to you in response to a notice sent to me on Month Day, 2007
. 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.

This is NOT a request for 鈥渧erification鈥?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:
鈥?What the money you say I owe is for;
鈥?Explain and show me how you calculated what you say I owe;
鈥?Provide me with copies of any papers that show I agreed to pay what you say I owe;
鈥?Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
鈥?Prove the Statute of Limitations/UCC has not expired on this account
鈥?Show me that you are licensed to collect in my state.
鈥?Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau鈥檚 (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:
鈥?Violation of the Fair Credit Reporting Act
鈥?Violation of the Fair Debt Collection Practices Act
鈥?Defamation of Character

If 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 your offices make no telephone contact to me at my residence or my place of employment. If your offices attempt telephone communication with me, 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.


Reguards,