Debt Validation Letter Samples: Reclaim Your Financial Control

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

This letter is to formally request validation of the alleged debt referenced above. I am requesting verification of this debt under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g.

Please provide me with the following:

1. Documentation showing that I am responsible for the debt.
2. The amount of the debt.
3. The name of the original creditor.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt. This is a formal request under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g.

Please provide the following documentation to validate this debt:

1. A copy of the original contract or agreement that created the debt.
2. An itemized statement showing all charges, payments, and credits.
3. The name and address of the original creditor.

I am also requesting that you cease all communication with me regarding this debt until you provide the requested validation. I prefer all future communication to be in writing.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to dispute the above-referenced debt. I do not believe I owe this debt and request validation under the Fair Debt Collection Practices Act (FDCPA). I have no knowledge of this account and suspect it may be a case of mistaken identity or fraud.

To validate this debt, please provide the following:

1. A copy of the original contract or agreement with my signature.
2. Documentation proving I authorized the charges on this account.
3. Verification of my address at the time the account was opened.

Until you provide this validation, please cease all collection activity and communication regarding this debt. I am prepared to take further legal action if necessary to protect my rights under the FDCPA.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting information about the original creditor.

Please provide the following information:

1. The name and address of the original creditor.
2. A copy of the original contract or agreement that created the debt.
3. An itemized statement showing all charges, payments, and credits with the original creditor.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting a detailed payment history.

Please provide the following:

1. A complete and itemized payment history for the entire duration of the account.
2. Documentation showing the date and amount of each payment.
3. Clarification on how payments were applied to the principal and interest.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am concerned that the statute of limitations may have expired on this debt.

Please provide the following:

1. The date of last activity on this account (e.g., last payment made, last purchase).
2. Documentation proving the date of last activity.
3. Confirmation that the statute of limitations has not expired in my state.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced medical debt under the Fair Debt Collection Practices Act (FDCPA). I require detailed documentation to verify the legitimacy of this charge.

Please provide the following:

1. Itemized bill from the medical provider.
2. Explanation of the services rendered.
3. Proof of insurance coverage and payments.
4. Documentation confirming I am responsible for the remaining balance.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced credit card debt under the Fair Debt Collection Practices Act (FDCPA). I need to verify the validity of this debt.

Please provide the following:

1. A copy of the original credit card agreement with my signature.
2. Itemized statements showing all transactions, payments, and fees.
3. Documentation of the current interest rate.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to dispute the amount you claim I owe for the above-referenced account and request validation under the Fair Debt Collection Practices Act (FDCPA). I believe the amount is inaccurate.

Please provide the following documentation to support the amount claimed:

1. A detailed itemized statement showing the breakdown of the debt, including the original principal, interest, fees, and any other charges.
2. A copy of the original contract or agreement that created the debt, showing the terms and conditions.
3. Documentation proving that the amount claimed is accurate and justified.

Until you provide the requested validation, please cease all collection activity on this account. I am prepared to take further action if necessary to protect my rights.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting identification of the current creditor holding this debt.

Please provide the following information:

1. The name and address of the current creditor.
2. Documentation showing that the current creditor has the legal right to collect this debt.
3. The date the debt was transferred to the current creditor.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting proof that you are the legal owner of this debt.

Please provide the following information:

1. Proof of ownership of this debt.
2. Documentation showing that you have the legal right to collect this debt.
3. A copy of the assignment of the debt from the original creditor to your company.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to dispute unauthorized fees on the above-referenced account and request validation under the Fair Debt Collection Practices Act (FDCPA).

Please provide the following documentation:

1. An itemized statement detailing each fee charged, its purpose, and the legal basis for imposing it.
2. A copy of the original contract or agreement that specifies the permissible fees and conditions for their assessment.
3. Proof that I was notified of these fees before they were applied to the account.

Until you provide the requested validation, please cease all collection activity on this account. I am prepared to take further action if necessary to protect my rights.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to inform you that I am a victim of identity theft and I am not responsible for the debt associated with the above-referenced account. I request validation under the Fair Debt Collection Practices Act (FDCPA).

Please provide the following information:

1. Documentation showing that I am responsible for this debt, despite my claim of identity theft.
2. Evidence that the debt was incurred by me and not by an imposter.
3. A copy of the original contract or agreement with my signature.

Please cease all collection activity until you provide this validation. I have already filed a police report regarding this identity theft incident, and I am prepared to take further action if necessary to protect my rights.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting verification of my signature on the original document.

Please provide the following information:

1. A copy of the original contract or agreement with my alleged signature.
2. Documentation showing that the signature is indeed mine.
3. Verification from a handwriting expert if possible.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to challenge the accuracy of the information related to the above-referenced debt and request validation under the Fair Debt Collection Practices Act (FDCPA). I believe some of the details you have provided are incorrect.

Please provide the following documentation to verify the accuracy of the information:

1. Corrected information about the debt, including the original creditor, the amount owed, and the date of default.
2. Evidence supporting the accuracy of each detail you have provided.
3. A detailed explanation of how you obtained this information.

Until you provide the requested validation, please cease all collection activity on this account. I am prepared to take further action if necessary to protect my rights.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I am requesting the contact information of the original creditor.

Please provide the following information:

1. The name, address, and phone number of the original creditor.
2. The contact person at the original creditor’s office who can provide information about the debt.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA) and to request documentation of a previously offered settlement.

Please provide the following:

1. All documentation regarding any previous settlement offers made on this debt.
2. Proof of the current settlement amount.
3. The terms and conditions of the settlement.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to report unauthorized activity on the above-referenced account and request validation under the Fair Debt Collection Practices Act (FDCPA).

Please provide the following:

1. Detailed information about the unauthorized activity.
2. Documentation showing who authorized the activity.
3. Measures to be taken to prevent further unauthorized activity.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). I need proof that I am contractually obligated to pay this debt.

Please provide the following:

1. A copy of the signed contract or agreement that established my contractual obligation.
2. Documentation verifying the terms and conditions of the agreement.
3. Proof that I received the goods or services associated with this debt.

Please cease all collection activity until you provide this validation. I look forward to your prompt response.

[Date]

[Debt Collector’s Name]
[Debt Collector’s Address]

RE: Account Number: [Account Number]

Dear [Debt Collector’s Name],

I am writing to request validation of the above-referenced debt under the Fair Debt Collection Practices Act (FDCPA). Furthermore, I request that you cease all communication with me, except to provide the requested validation.

Please provide the following:

1. Documentation validating the debt, including the original agreement and payment history.
2. A statement confirming that you will cease all communication until validation is provided.

Please cease all collection activity until you provide this validation. I look forward to your prompt response in writing.