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Debt Validation Sample Letter to a Debt Collector (detailed)
Dear Debt Collector:
In response to your letter to me dated ____________ and received on _____________, I
hereby dispute the debt and request debt validation.
I request your office provide me with competent documentation, from the original creditor,
that I have any legal obligation to pay you for any debt, including any interest, late fees or
other charges that you are claiming.
Please provide me with the following:
1. Documentation of the name of the original creditor;
2. The name and address of the debtor as it appeared in the original creditor's records;
3. A copy of the original signed contract or other document evidencing the debt with the
original creditor;
4. Documentation that (name of collection agency) now owns the alleged debt;
5. The original account number of the debt; and
6. An itemized accounting of the amount claimed to be owed, including all fees and
charges and how those fees and charges were determined.
Additionally, if your company and/or the “furnisher of information” has reported non-
validated information to any credit reporting agency; and, pulled any credit reports without
my permission, this action may constitute fraud under both Federal and State Laws.
Failure to respond to this validation request within thirty (30) days from the date of your
receipt, means you must delete all references to this account from all of my credit files and
a copy of such deletion request shall be sent to me immediately for my records.
Lastly, I hereby request no telephone contact be made by your offices to my home, cellular
phone, workplace phone, telephone numbers of my family and friends. All future
communications with me MUST BE DONE IN WRITING and sent to the address noted in
this letter by United States Postal Service.
Sincerely,
*DO NOT SIGN THE LETTER, JUST PRINT YOUR NAME
Your Name
(This letter is just a sample, you should modify according to your specific issues).
*Your signature could very well end up on some bogus contract provided by the collection
agency. They do not operate with business ethics or morals, never trust them.
In response to your letter to me dated ____________ and received on _____________, I
hereby dispute the debt and request debt validation.
I request your office provide me with competent documentation, from the original creditor,
that I have any legal obligation to pay you for any debt, including any interest, late fees or
other charges that you are claiming.
Please provide me with the following:
1. Documentation of the name of the original creditor;
2. The name and address of the debtor as it appeared in the original creditor's records;
3. A copy of the original signed contract or other document evidencing the debt with the
original creditor;
4. Documentation that (name of collection agency) now owns the alleged debt;
5. The original account number of the debt; and
6. An itemized accounting of the amount claimed to be owed, including all fees and
charges and how those fees and charges were determined.
Additionally, if your company and/or the “furnisher of information” has reported non-
validated information to any credit reporting agency; and, pulled any credit reports without
my permission, this action may constitute fraud under both Federal and State Laws.
Failure to respond to this validation request within thirty (30) days from the date of your
receipt, means you must delete all references to this account from all of my credit files and
a copy of such deletion request shall be sent to me immediately for my records.
Lastly, I hereby request no telephone contact be made by your offices to my home, cellular
phone, workplace phone, telephone numbers of my family and friends. All future
communications with me MUST BE DONE IN WRITING and sent to the address noted in
this letter by United States Postal Service.
Sincerely,
*DO NOT SIGN THE LETTER, JUST PRINT YOUR NAME
Your Name
(This letter is just a sample, you should modify according to your specific issues).
*Your signature could very well end up on some bogus contract provided by the collection
agency. They do not operate with business ethics or morals, never trust them.
YOUR NAME
ADDRESS
CITY, STATE & ZIP CODE
Date
Sent U.S. Certified, Return Receipt Mail
Collection Agency Name
Address
City & State & Zip
Re: (File Number) and (Creditor Name)
ADDRESS
CITY, STATE & ZIP CODE
Date
Sent U.S. Certified, Return Receipt Mail
Collection Agency Name
Address
City & State & Zip
Re: (File Number) and (Creditor Name)
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