Use this form to help you respond to a debt collector's validation letter. You can respond by disputing the debt or any portion of it, asking fthe debt collector to verify the amount or validity of the debt, or request the name and contact information of the original creditor.
If you respond in writing within the 30 day period, the debt collector must stop attempting to collect the debt, or any disputed portion, until they verify the debt and mail you a response.
This form also also includes follow-up letters in the even the debt collector does not respond or continues attmpting to collect the debt after you requested verification. Subject: Request for Debt Verification — Chicago, Illinois Dear [Debt Collector's Name], I am writing to formally dispute the validity of the debt you claimed in your recent validation letter regarding my account, in accordance with the Fair Debt Collection Practices Act (FD CPA). I request that you provide me with detailed verification of the said debt, as mentioned in your letter. This letter serves as my response and a formal request for additional information in order to assess the accuracy and legitimacy of the alleged debt. As a resident of Chicago, Illinois, and a consumer protected by federal laws, it is crucial that all necessary steps are taken to ensure the proper handling of this matter. Please consider this letter as my full cooperation and an opportunity for you to provide the verification required. To facilitate a prompt and fair resolution, I kindly request the following supporting documentation from you: 1. Original Creditor Information: Please provide the name and contact details of the original creditor, including any relevant account numbers and dates of the alleged debt. 2. Detailed Account Statement: In order to evaluate the accuracy of the debt, I request a complete account statement that clearly outlines the original amount owed, any payments made, and any fees or interest accrued. 3. Contractual Agreement: Please submit a copy of the signed contract or agreement that demonstrates my consent and contractual obligation to the creditor. If there was no written agreement, please provide detailed information regarding the nature of the debt. 4. Chain of Ownership: If the debt has been assigned or transferred to your agency, I request documentation proving your legal right to collect on this debt. 5. Verification of Statute of Limitations: Please confirm that this debt is within the applicable statute of limitations for collection in the state of Illinois. I expect you to provide official documentation supporting this claim. 6. Dispute Investigation: I request that you conduct a thorough investigation into my dispute, verifying the debt through reliable sources and providing me with the results of your investigation. Additionally, please ensure that any negative information concerning this disputed debt is immediately removed from my credit reports during your investigation. Please note that until proper and adequate verification of the debt is provided, no further communication regarding this matter should be initiated, including reporting this debt to any credit reporting agencies. Any violation of the FD CPA in relation to this dispute will be reported to the appropriate regulatory agencies. I kindly request that you respond to this correspondence within 30 days from the date of receiving this letter. Failure to respond or provide adequate verification within this timeframe will be deemed as an acknowledgment that the debt is invalid and your collection efforts will be considered unwarranted. I trust that you will handle this matter with the utmost professionalism and in accordance with all applicable laws. Your cooperation in providing the requested information will be greatly appreciated. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
Subject: Request for Debt Verification — Chicago, Illinois Dear [Debt Collector's Name], I am writing to formally dispute the validity of the debt you claimed in your recent validation letter regarding my account, in accordance with the Fair Debt Collection Practices Act (FD CPA). I request that you provide me with detailed verification of the said debt, as mentioned in your letter. This letter serves as my response and a formal request for additional information in order to assess the accuracy and legitimacy of the alleged debt. As a resident of Chicago, Illinois, and a consumer protected by federal laws, it is crucial that all necessary steps are taken to ensure the proper handling of this matter. Please consider this letter as my full cooperation and an opportunity for you to provide the verification required. To facilitate a prompt and fair resolution, I kindly request the following supporting documentation from you: 1. Original Creditor Information: Please provide the name and contact details of the original creditor, including any relevant account numbers and dates of the alleged debt. 2. Detailed Account Statement: In order to evaluate the accuracy of the debt, I request a complete account statement that clearly outlines the original amount owed, any payments made, and any fees or interest accrued. 3. Contractual Agreement: Please submit a copy of the signed contract or agreement that demonstrates my consent and contractual obligation to the creditor. If there was no written agreement, please provide detailed information regarding the nature of the debt. 4. Chain of Ownership: If the debt has been assigned or transferred to your agency, I request documentation proving your legal right to collect on this debt. 5. Verification of Statute of Limitations: Please confirm that this debt is within the applicable statute of limitations for collection in the state of Illinois. I expect you to provide official documentation supporting this claim. 6. Dispute Investigation: I request that you conduct a thorough investigation into my dispute, verifying the debt through reliable sources and providing me with the results of your investigation. Additionally, please ensure that any negative information concerning this disputed debt is immediately removed from my credit reports during your investigation. Please note that until proper and adequate verification of the debt is provided, no further communication regarding this matter should be initiated, including reporting this debt to any credit reporting agencies. Any violation of the FD CPA in relation to this dispute will be reported to the appropriate regulatory agencies. I kindly request that you respond to this correspondence within 30 days from the date of receiving this letter. Failure to respond or provide adequate verification within this timeframe will be deemed as an acknowledgment that the debt is invalid and your collection efforts will be considered unwarranted. I trust that you will handle this matter with the utmost professionalism and in accordance with all applicable laws. Your cooperation in providing the requested information will be greatly appreciated. Thank you for your attention to this matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.
