Copyright RebuildCreditScores 2008.
All Rights Reserved
Debt Validation Sample Letter
by Lisa Phillips
www.rebuildcreditscores.com
YOUR NAME
ADDRESS
CITY, STATE & ZIP CODE

Date

Sent U.S. Certified, Return Receipt Mail
Collection Agency Name
Address
City & State & Zip

Re:   Creditor Name:
Account Number:        
Amount:

To Whom It May Concern:

In response to your letter to me dated ___________, regarding the above-stated debt, I
hereby request validation of the debt.

Please note this is not a request for “verification” or proof of my mailing address, but a request
for validation pursuant to the Fair Debt Collection Practices Act. I request your office provide
me with competent, original evidence that I have any legal obligation to pay you the amount
listed above including any interest, late charges and other charges that you are claiming.

Please provide me with the following:

    1. Documentation as to what this debt is owed for;

    2. Written documentation as to how you calculated the amount you say I owe;

    3. Documentation showing any and all fees and interest charges added to this debt and
    how those fees and interest charges were determined;

    4. Provide a verification or copy of any judgment if applicable;

    5. A copy of the original signed contract and/or agreement with the original creditor;

    6. A true and accurate accounting of all payments made to the original creditor;

Additionally, if your offices have reported non-validated information to any credit reporting
agency, including but not limited to Experian, Equifax and Transunion 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.
 
Credit Card Offers for Average Credit