Sample Debt Validation Letter to Send to Collection Agency Regarding Credit Report

Your Name
Your Address

Collection Agency Name
Collection Agency Address

Date:

Re: Account No:

To whom it may concern:

I received a copy of my credit report and noticed that there was a collection listed from your agency, which I was not notified about. This is not a refusal to pay, but this is a notice that your claim is disputed.

As pursuant to my rights under the Fair Debt Collections Practices Act (FDCPA), I request you to validate the debt you say I owe you. I am requesting you to prove that I am indeed the person whom you are asking to pay this debt and if yes then the documents that show that I legally owe the money to you.

This letter is also a notification that you must stop reporting this information to the credit bureau until and unless you validate the debt in writing.

Please provide me the following information in your reply: 1. The agreement in which the creditor has authorized you to collect debt on the alleged debt. 2. The signed contract where I have confirmed to pay to the original creditor 3. Documents from the creditors that give the complete transaction and payment history of the account 4. Name and address of the Original Creditor. 6. Proof that the alleged debt is not out of statute 7. Evidence that you are licensed to collect this debt in my State 8. Copy of your Debt Collection Rights License.

Sincerely,
Your Name