How to follow-up after debt validation request

If a collection agency doesn't contact you with enough proof after you've requested a debt validation (DV), you should send them a Debt Validation Follow-up Letter (via registered mail). Here's a sample letter.


The Letter
Debt Validation Follow-up Letter to collection agency


Your Name
Your Address
Your Phone #

Creditor's Name
Department
Creditor's Address

Date

Dear Sir/Madam,

Re: Account Number

I have sent you a written request to validate my debt having account no. on . According to the Fair Debt Collection Practices Act (FDCPA), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation that you have received my request for validation of debt. I have already received verification of these accounts from the credit bureaus.

As per an opinion letter published by the FTC, reporting this collection to the credit bureaus is considered collection activity. I hereby notify you that you are now in violation of the FDCPA and subject to a fine of $1,000, which I can collect by filing a claim against you in small claims court. I intend to follow through with this claim if I don't hear back from you within the next 15 business days.

This letter is to remind you that reporting invalidated information to the credit bureaus can result in defamation of my character, as any negative marking on my credit report can adversely affect my credit. I hope your legal staff will agree that non-compliance with this request will result in serious legal trouble for your company with the FTC and other state/federal agencies.

Sincerely,
Your Signature 
Your Name      


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