How to request creditor for debt verification

Debt validation works only with collection agencies and not the original creditor. The only way you can make your original creditor verify your debt is by telling him that you'll sue his company for defamation if he cannot prove that you are actually late on payments or even that you are on the debt account. This is when you need to use debt verification letters. A sample debt verification letter (verification of debt letter) is given below.


The Letter


Your Name



Your Address



Your Phone #


Credit Bureau's Name:



Credit Bureau's Address:

Date


Dear Sir/Madam,

Re: Account Number

This letter is to dispute the account referenced above. I have already disputed this information with the credit bureaus .

I have contacted you previously regarding this account, and you have not responded to me. If you cannot verify this information pursuant to the FCRA, and it continues to appear on my credit report, I shall find it necessary to sue you for defamation damages and declaratory relief.

Under the FCRA, a creditor has the responsibility to investigate and verify the information reported to the credit bureaus, and consumers have the right to sue if their request for verification is not complied with.

I look forward to a speedy resolution of this issue.


Sincerely,


Your Signature



Your Name




DebtConsolidationCare (IAPDA member)
Inter Next Technologies, Inc., Internet Marketing Services, Reno, NV
Connect With Us
About Us | Contact Us | Privacy Policy
Copyright © 2018 DebtConsolidationCare | 301 W. 11th Street Unit E, Reno, NV, 89503, United States
* Disclosures:
  1. By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  2. Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
  3. Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  4. Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  5. The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
Page loaded in 0.040 seconds.