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π Debt Validation Letter (FDCPA Β§809) π
Your Name
Your Address
City, State, Zip Code
Date
Debt Buyer / Collection Agency Name
Address
City, State, Zip Code
Re: Account Number ____________
To Whom It May Concern,
This letter is being sent in response to your recent communication regarding the account referenced above. Be advised this is not a refusal to pay, but a notice that your claim is disputed in its entirety. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. Β§1692g, I am requesting validation of this alleged debt.
Please provide the following:
- Proof that you are authorized to collect on this account.
- A complete accounting and itemization of the alleged amount.
- The original signed contract or agreement bearing my signature.
- The full chain of assignment from the original creditor to your company.
- Proof that this alleged debt is within the statute of limitations to be collected in my state.
Until you provide proper validation, you must cease all collection activity, including reporting this account to the credit bureaus. If you have already reported this account, you are required under the Fair Credit Reporting Act (FCRA) to inform the credit reporting agencies that the account is disputed.
Be advised that failure to comply with these requests will be documented as violations of federal law and may be used as evidence in any future claims I may pursue.
Sincerely,
[Your Signature]
[Your Printed Name]
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π Debt Validation Letter (FDCPA Β§809) π
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