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Home » Guides & Tools » Sample Letters » Debt Verification Letter

Debt Verification Letter

The contents of a Debt Verification Letter and Debt Validation Letter are nearly identical. The major difference lies in the nature of the dispute and to whom you address the letter to.

While a debt verification letter is sent to the original creditor, a debt validation letter is sent to the collection agency.

If you think the debt has been falsely reported to the credit bureau, then a debt verification letter is the best way to get your debts verified. You should also notify the creditor that you will not hesitate to sue them, if they fail to justify what it has reported to you and the credit bureau.

Here is a sample of a debt verification letter that will help you understand what you should include in a debt verification letter:

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Your Name
Your Address

Creditor's Name
Creditor's Address


Dear Sir,

Re: Account Number

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

[Mention the names of the credit bureaus]

I am requesting that you verify this debt.

Under the Fair Credit Reporting Act and other consumer protection acts, it is my responsibility to investigate and ensure that the details being reported to the credit bureaus are accurate. At the same time, I have the right to take action under the FCRA, if my rights are violated.

Since I would prefer to not to involve myself in any litigation, I request you verify this debt and provide me with the required documents.

However, if you fail to properly verify the account details and it continues to appear on my credit report, I shall not hesitate to sue you for damages under the Fair Credit Reporting Act.

According to the provision of the FCRA, I can sue you and be compensated for any damage to my reputation as well as my attorney fees and court costs. I shall use every possible legal means to enforce my consumer rights under the FCRA.

Therefore, I look forward to your cooperation and an amiable resolution of this issue.


Your Signature________________________

Your Name___________________________


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