Sample debt validation letter - A written request to validate the debt

As per the Fair Debt Collection Practices Act, you can request for validation of the debt that the collection agency (CA) claims you owe to them. You can use and send the following debt validation letter via certified mail to make the CA validate the alleged debt.

The Letter

Your Name

Your Address

Your Phone #

Collection Agency

Collection Agency Address

Re: Acct#

To whom it may concern:

Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 (b). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.

Please provide me with the below mentioned things:

  • * The amount you claim I owe you
  • * Explain and show me how you have computed the amount
  • * Send me the copies of any documents that prove I agreed to pay the alleged amount
  • * Identify the original creditor
  • * Confirm that the account has not crossed the SOL period
  • * Prove that you're a licensed debt collector
  • * Show me your license numbers and registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau's such as TransUnion, Equifax, Experian, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons:

  • * Violation of the FCRA
  • * Violation of the FDCPA
  • * Defamation of character

If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped.

I would like to further inform you that if any action is taken (during the validation period) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is.

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.


Your Signature

Your Name