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. Keywords: San Jose California, letter, debt collector, verification of debt, validation letter. --- [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: Request for Verification of Debt Account Number: [Account Number] Dear [Debt Collector's Name], I am writing in response to your recent letter dated [Date], in which you claim that I owe a debt of [Amount] to [Creditor]. I am requesting that you provide me with the necessary information to verify this debt. First and foremost, I would like to emphasize that I exercise my rights under the Fair Debt Collection Practices Act (FD CPA) and the Fair Credit Reporting Act (FCRA). As such, I am entitled to receive validation of the alleged debt within thirty days of your initial communication. To ensure the validity and accuracy of this debt, I kindly request that you provide the following information: 1. Documentation demonstrating that you are authorized to collect this debt from me. 2. The original creditor's name and contact information. 3. The original account number associated with this alleged debt. 4. Detailed information regarding the nature of the debt and the transactions leading to it. 5. Complete payment history, including dates and amounts paid (if applicable). 6. A copy of the signed agreement or contract with my signature, acknowledging my consent to the debt and terms. Please note that this request is not meant to be burdensome but rather to ensure that all relevant information is provided to me as required by law. I request that you refrain from any further collection activities until this debt is properly verified. Additionally, it is essential that you promptly investigate and cease any negative reporting to credit reporting agencies regarding this disputed debt during the verification process. Failure to comply with these requests may result in legal action being taken against your agency for violating my rights under the FD CPA and FCRA. I kindly ask that you provide the requested information within thirty days from the receipt of this letter. If you are unable to provide the information, I expect you to inform me in writing that the debt is invalid, and all collection efforts will be discontinued. Also, any further communication regarding this alleged debt should be conducted solely in writing to maintain a clear record of our correspondence. Thank you for your immediate attention to this matter. I look forward to your prompt response regarding the verification of the alleged debt. Failure to verify this debt will result in the cessation of any further communication. Sincerely, [Your Name]
Keywords: San Jose California, letter, debt collector, verification of debt, validation letter. --- [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Debt Collector's Name] [Debt Collector's Address] [City, State, ZIP] Subject: Request for Verification of Debt Account Number: [Account Number] Dear [Debt Collector's Name], I am writing in response to your recent letter dated [Date], in which you claim that I owe a debt of [Amount] to [Creditor]. I am requesting that you provide me with the necessary information to verify this debt. First and foremost, I would like to emphasize that I exercise my rights under the Fair Debt Collection Practices Act (FD CPA) and the Fair Credit Reporting Act (FCRA). As such, I am entitled to receive validation of the alleged debt within thirty days of your initial communication. To ensure the validity and accuracy of this debt, I kindly request that you provide the following information: 1. Documentation demonstrating that you are authorized to collect this debt from me. 2. The original creditor's name and contact information. 3. The original account number associated with this alleged debt. 4. Detailed information regarding the nature of the debt and the transactions leading to it. 5. Complete payment history, including dates and amounts paid (if applicable). 6. A copy of the signed agreement or contract with my signature, acknowledging my consent to the debt and terms. Please note that this request is not meant to be burdensome but rather to ensure that all relevant information is provided to me as required by law. I request that you refrain from any further collection activities until this debt is properly verified. Additionally, it is essential that you promptly investigate and cease any negative reporting to credit reporting agencies regarding this disputed debt during the verification process. Failure to comply with these requests may result in legal action being taken against your agency for violating my rights under the FD CPA and FCRA. I kindly ask that you provide the requested information within thirty days from the receipt of this letter. If you are unable to provide the information, I expect you to inform me in writing that the debt is invalid, and all collection efforts will be discontinued. Also, any further communication regarding this alleged debt should be conducted solely in writing to maintain a clear record of our correspondence. Thank you for your immediate attention to this matter. I look forward to your prompt response regarding the verification of the alleged debt. Failure to verify this debt will result in the cessation of any further communication. Sincerely, [Your Name]
