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Letter for debt validation Your name Your address Collection Agency Name Date: Re: Account No: Dear Sir/Madam, I was going through a copy of my credit report and noticed that there was a collection from your agency on my credit report, which I was not notified about. I don’t refuse to pay, but this is a notice that your claim is disputed. In accordance with the FDCPA, I have the right to request for a validation of my debt. This is asking for proof regarding this and verifying the same. You must be aware that reporting such inaccurate information will result in defamation of character and it would leave a dark patch on my credit report. You are supposed to stop all collection activities including reporting this information on my credit report. I’m sure you are aware of the fact that non-compliance with this request will lead you to legal trouble.
Please attach copies of the following with the reply: With regards,
While we provide you with sample letters to help you deal with creditors and collection agencies, yet if you need further help, fill out the no-obligation free counseling form and feel free to talk to our financial coach.
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