Debt Validation Letter

Use this letter to dispute the validity of a debt and to request verification of the debt.
Once you send this letter to a debt collector, they cannot engage in further collection activity
until they send you a response to your validation request.
In some situations, consumers send validation requests and a debt collector will claim they never
received it. For that reason, be sure to send your letter via certified mail (which will prove they
received it).
If you have questions about a collector letter, calls from a debt collector, or a response to your
validation request, please contact me.
Instructions
. Fill out the following letter.
!. "a#e two copies of the letter.
$. %eep one of the copies and the original for your records.
&. "ail a copy of the letter via certified mail, return receipt requested, to the debt
collector you listed on the letter.
'. (ait for the return receipt and #eep for your records.
). (ait for a response from the debt collector. If you have any questions, contact me
at )!.&!&.$**+.
Request for Validation
From,
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(.our name / address)
0o, -------------------------------
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(1ebt collector address)
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(1ate)
2e, 2equest for validation on your account number, ---------------------(acct no.)
1ear 3ir or "adam,
I am sending this letter in response to the notice you sent to me, dated --------------- (date)
regarding your attempt to collect a debt from me.
0his is a notice that I am disputing your claim and requesting validation under the Fair 1ebt
4ollection 5ractices 6ct, ' U.3.4. 7 )8!g(b). 5ursuant to the F1456, you must (a) provide the
requested validation before continuing collection activity, or (b) stop all collection activity.
5rovide me with all competent evidence that I have a legal obligation to pay you, including, but
not limited to,
(hat the debt you say I owe was for (credit card, consumer loan, etc.)9
6 calculation of all amounts you say I owe9
4opies of any documents showing that I agreed to pay what you say I owe9
6 copy of any :udgment against me, if you have one9
5roof that the statute of limitations has not e;pired9 and
<vidence that you are licensed to collect debts in my state.
Until you have provided the above evidence to validate the debt, you may not continue collection
activity, and you may not contact me.
If anyone from your office has reported any negative information to any credit reporting agency
(e.g., <quifa;, 0ransUnion, <;perian, or 434), you must now report that information as disputed
under ' U.3.4. 7 )8!e(=).
Once you provide the requested documentation, I will require $+ days to investigate the
information. 1uring this time, you must cease collection activity. 1o not report negative
information to the credit bureaus during this validation period.

If your office does not respond to this validation request within $+ days, all references to this
account must be deleted from my credit reports and completely removed from my credit file.
3end a copy of any such deletion request to me.
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(date) (signature)
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(print name)