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Debt Validation Sample Letter

This letter requests validation of a debt from a collections agency. It references the consumer's rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act to dispute the validity of debts. The letter notes that a consumer reporting agency is not required to remove accurate negative information unless it is outdated or cannot be verified. It also cites that if a consumer disputes information in their file, the agency must conduct a reasonable reinvestigation within 30 days to determine if the disputed information is inaccurate.

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Lanika Walden
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40 views1 page

Debt Validation Sample Letter

This letter requests validation of a debt from a collections agency. It references the consumer's rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act to dispute the validity of debts. The letter notes that a consumer reporting agency is not required to remove accurate negative information unless it is outdated or cannot be verified. It also cites that if a consumer disputes information in their file, the agency must conduct a reasonable reinvestigation within 30 days to determine if the disputed information is inaccurate.

Uploaded by

Lanika Walden
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Debt Validation Sample Letter

DateTo: (Name of the Collections Agency) Address: (Address of the


Collection Agency) Account # 1234!""$rom: (%our
Name) Address: (%our Address)Deli&ery Confirmation #: '''' '''' ''''
''''Dear Collection Agencyursuant to the $C*A + the $DCA , noe.ercise my la-ful right to /uestion the &alidity of this de0t your
agency claims has come due$air Credit *eorting Act !'
Disclosures to consumers: (c) (2) (5): A consumer reorting
agency is not re/uired to remo&e accurate derogatory information
from a consumer6sfile unless the information is outdated under
section !' or cannot 0e &erified$air Credit *eorting Act !11(a)
1 (A) rocedure in case of disuted accuracy:(a) *ein&estigations
of Disuted ,nformation (1) *ein&estigation *e/uired(A) ,n general
7u08ect to su0section (f) if the comleteness or accuracy of any
item of information contained in a consumer6s file at a consumer
reorting agency is disuted 0y the consumer and the consumer
notifies the agency directly or indirectly through a reseller of
such disute the agency shall freeof charge conduct a
reasona0le rein&estigation to determine -hether the disuted
information is inaccurate and record the current status of the
disuted information or delete the item from the file in
accordance -ith aragrah () 0efore the end of the 3'9day
eriod 0eginning on the date on -hich the agency recei&es the
notice of the disute from the consumer or reseller$air De0t
Collection ractices Act 7ection ' alidation of de0ts:(0) ,f the
consumer notifies the de0t collector in -riting -ithin the thirty9day
eriod descri0ed in su0section

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