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    Validation of Debt Disbute Letter

    Uploaded by

    Elcana Mathieu
    The document is a letter from an individual to a collection agency disputing a debt and requesting validation and proof of the debt under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). It requests specific information about the date the debt was purchased, amount paid, original charge off date, last payment date, creditor details, and full records. It advises that if proof is not provided, the individual reserves the right to file an FDCPA violation lawsuit. It also states that furnishing the disputed debt to credit reports without investigation would violate FCRA.

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    © All Rights Reserved
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    Validation of Debt Disbute Letter

    Uploaded by

    Elcana Mathieu
    319 views2 pages
    The document is a letter from an individual to a collection agency disputing a debt and requesting validation and proof of the debt under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). It requests specific information about the date the debt was purchased, amount paid, original charge off date, last payment date, creditor details, and full records. It advises that if proof is not provided, the individual reserves the right to file an FDCPA violation lawsuit. It also states that furnishing the disputed debt to credit reports without investigation would violate FCRA.

    Original Description:

    Dispute Letter

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    The document is a letter from an individual to a collection agency disputing a debt and requesting validation and proof of the debt under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). It requests specific information about the date the debt was purchased, amount paid, original charge off date, last payment date, creditor details, and full records. It advises that if proof is not provided, the individual reserves the right to file an FDCPA violation lawsuit. It also states that furnishing the disputed debt to credit reports without investigation would violate FCRA.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    319 views2 pages

    Validation of Debt Disbute Letter

    Uploaded by

    Elcana Mathieu
    The document is a letter from an individual to a collection agency disputing a debt and requesting validation and proof of the debt under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). It requests specific information about the date the debt was purchased, amount paid, original charge off date, last payment date, creditor details, and full records. It advises that if proof is not provided, the individual reserves the right to file an FDCPA violation lawsuit. It also states that furnishing the disputed debt to credit reports without investigation would violate FCRA.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 2

    [[Date]]

    [[Collection Agency Name]]


    [[Address]]
    [[City, State, Zip]]
    Re: [[Creditor Name – Account #]]:

    To Whom It May Concern:

    Please be advised that I have received your correspondence dated ________________. This is not a
    refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the
    FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter
    of days.

    Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send
    valid proof of this debt and a printout of records is not valid. See FTC.gov “staff attorney opinion” findings
    for details. Please don’t send back a print out. The proof requested is as follows:

     Date you purchased debt

     Amount you paid for said debt

     Original Date of Charge Off

     Date of last payment/activity if any

     Creditors full name and address

     All records pertaining to actual debt to prove validity.

    If you cannot produce such proof after I have put you on notice then I reserve the right to file a suit
    against you for FDCPA violations in my court’s venue. You will have to travel to defend yourself in that
    scenario.

    Please also be advised that this request is an official validation of debt request and not a ‘verification of
    address” request. Proper proof of said debt is required. Please understand as well that under the FCRA
    any “furnisher of information” must put the account rating on hold while the debt is being investigated.
    Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages
    collected from you.

    Awaiting your reply in a timely manner.


    Sincerely,

    [[Your Name]]
    [[Your Address]]
    [[Your SS#]]
    [[Your DOB]]

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