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Debt Validation Letter

This document is a Debt Validation Letter sent to a creditor or debt collector, requesting validation of an alleged debt under the Fair Debt Collection Practices Act. It outlines the sender's rights, including the request for documentation and the cessation of collection activities during the validation period. Additionally, it includes a cease and desist request for further telephone contact and a declaration for the creditor to provide specific information regarding the debt within 30 days.

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19 views6 pages

Debt Validation Letter

This document is a Debt Validation Letter sent to a creditor or debt collector, requesting validation of an alleged debt under the Fair Debt Collection Practices Act. It outlines the sender's rights, including the request for documentation and the cessation of collection activities during the validation period. Additionally, it includes a cease and desist request for further telephone contact and a declaration for the creditor to provide specific information regarding the debt within 30 days.

Uploaded by

thwxvzdoblipdkxkhf
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 LETTER

Date ___________________
___________________
___________________
___________________

Dear ___________________,

This letter is being sent to you in response to:

Please check one (1):

___ Notice sent to me on _________ (Date)


___ Response to a listing on my Credit Report.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt
Collection Practices Act, 15 USC 1692g stating 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 offices provide me with competent evidence that I have any legal
obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated
information to any of the 3 major credit bureaus (Equifax, Experian or TransUnion) this
action may 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 and your client for the following: Violation of the Fair Credit Reporting Act,
Violation of the Fair Debt Collection Practices Act, and 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, during
which 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 of any information to a credit reporting repository that could be
inaccurate or invalidated.

If your office fails 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.

Sincerely,
________________
Name and Signature
CEASE AND DESIST

I would also like to request, in writing, that no further telephone contact be made by your
offices to my home or to my place of employment.

If your offices continue to attempt telephone communication with me 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.

It would be advisable that you and your client assure that your records are in order
before I am forced to take legal action.

Sincerely,
________________
Name and Signature
CREDITOR/DEBT COLLECTOR DECLARATION

Please provide all of the following information and submit the appropriate forms and
paperwork within 30 days from the date of your receipt of this request for validation.
Name and Address of Alleged Creditor:
______________________________________________________________________
Name on File of Alleged Debtor:
______________________________________________________________________
Alleged Account #:
______________________________________________________________________
Address on File for Alleged Debtor:
______________________________________________________________________
Amount of Alleged Debt:
______________________________________________________________________
Date (that this alleged debt became payable):
______________________________________________________________________
Date of Original Charge or Delinquency:
______________________________________________________________________
Was this Debt assigned to a Debt Collector or Purchased?
______________________________________________________________________
Amount Paid if Debt was Purchased:
______________________________________________________________________
Commission for debt collector if collection efforts are successful:
______________________________________________________________________

REQUESTED INFORMATION
Please attach copies of the following:
Agreement with your client that grants ___________________ (Collection Agency
Name) the authority to collect this alleged debt.

Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor
has a contractual obligation to pay Debt Collector.

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

All statements while this account was open.

Have any insurance claims been made by any creditor regarding this account?
☐ YES - ☐ NO
Have any judgments been obtained by any creditor regarding this account?
☐ YES - ☐ NO
Please provide the name and address of the bonding agent for ___________________
(Name of Debt Collector), in case legal action becomes necessary:

______________________________
______________________________
______________________________

Authorized Signature of Creditor: ______________________________


Date: _________________________
You must return this completed form along with copies of all requested information,
assignments or other transfer agreements, which would establish your right to collect
this alleged debt within 30 days from the date of your receipt of this letter.
Your claim cannot and WILL NOT be considered if any portion of this form is not
completed and returned with copies of all requested documents. This is a request for
validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.

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