Sample Debt Validation Letter

There are two versions of the debt validation letter. The first letter is plain, simple, and straight to the point; and the second letter is detailed. I suggest using the plain, simple letter.

Regardless of which debt validation letter you use, please follow my advice:

  • Do not copy either of the letters verbatim. Rewrite the letter in your own words and remember to include details of the debt the collection agency is trying to collect.

  • Do not give them additional information about the debt in question; only use the information in the collection notice you received.

  • Within the 30 days the collection agency gave you, make sure you mail your debt validation letter via certified mail requiring a signature on receipt.

  • Keep your receipt and verification of delivery because it is your proof you mailed a response within the allotted time. If you do not use certified mail with signature required, the collection agency can easily say you never sent them a letter and you cannot prove you did. It is your word against theirs.


Here is an example of a simple letter:


[Your Name]
[Your Address]
[Your City, Your State, Your Zip Code]


Date:

Re: Account # _______________


Dear [collection agency or collection attorney’s name],


I dispute your claims in their entirety and request validation pursuant to the Fair Debt Collection Practices Act.


Sincerely,

[Your Signature]
[Your Name]



This is a detailed debt validation letter.



[Your Name]
[Your Address]
[Your City, Your State, Your Zip Code]

Collections Agency
123 Main Street
Anywhere, ST 56789


Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX


To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on (put date here). 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 verification or proof of my mailing address, but a request for validation made pursuant to the above named Title and Section. I respectfully request your office provides me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

  • What the alleged sum is for.
  • Explain and show how you calculated the total amount that has been demanded.
  • Provide copies of any papers that show I agreed to pay what you say I owe.
  • Provide a verification or copy of any judgment if applicable.
  • Identify the original credit.
  • Prove the statute of limitations has not expired.
  • Identify the original creditor.
  • Show you are licensed to collect in my state.
  • Provide your license numbers and registered agent.

At this time, I will also inform you if your offices have reported invalidated information to any of the 3 major credit bureau’s (Equifax, Experian or Trans Union). 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 from your company or the company that you represent, I will not hesitate to bring legal action against you for the following:


  • Violation of the Fair Credit Reporting Act
  • Violation of the Fair Debt Collection Practices Act
  • Defamation of character

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 must be sent to me immediately.

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 or information added 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. 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.

I advise you to verify that your records are in order before I am forced to take legal action. If this is an attempt to correct your records, any information obtained shall be used for that purpose.


Best Regards,

[Your Signature]
[Your Name]