Debt Validation Letter

Under the Federal Debt Collection Practices Act, you have the right to request validation of any debt listed on your credit report. If you are unsure whether you owe the debt or sure you don't owe the debt, then you can ask the creditor or collection agency to validate the debt.

Here is a sample debt validation letter to help you understand what to write and how to request debt validation:

Your Name
Your Address
Your Phone

Collector's Name
Collector's Address

Date

Dear Creditor/Collection Officer,

Re: Account Number___________________________

This is to inform you that I recently checked my credit report and came across a debt listed on my credit report from your company. I was never informed about the existence of this account, or that your company held the right to collect it. This letter is not a refusal to pay the debt, but a notification that I would like to dispute your claim.

I have the right to request a validation of an alleged debt under the provisions of the Fair Debt Collection Practices Act and my state's consumer protection act. Therefore, I request that you provide me with proper evidence to prove I am indeed the party contractually obligated to pay off this debt and that you have the right to receive payment.

Until and unless you properly validate this debt, you can not initiate any collection activities.

I am sure your legal staff will agree to the fact that non-compliance with this request may put your company in serious legal trouble with the Federal Trade Commission and my state's Attorney General's Office.

Your non-compliance with my request will also be construed as a absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Please attach copies of the following:

1. Agreement with the creditor that authorizes you to collect on this alleged debt.
2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Verification of any judgment (if applicable);
4. Documents to prove that you are licensed to collect debts in my state.
5. Valid copies of the debt agreement stating the amount of the debt and interest charges.
6. Complete payment history on this account along with an accounting of all additional charges being assessed.
Sincerely,

Your Signature____________________________

Your Name_______________________________