validation letter from a collection agency

Hey girlie..

I used the one from the books section of the site. :) www.debtconsolidationcare.com/books

A simple note will do. Just include account #, request them to verify the debt as yours, and, tell them to stop contacting you. Then, they can only contact you to tell you the debt is yours.

here's a sample letter that i used. take a look at it and use what you like. for some odd reason my letter got kind of messed up trying to copying it on here but it is in order,

Good Luck




Your Name
123 Your Street Address
Your City, ST 01234

Scum Bag Collections
123 Kiss My Butt Ave
MYOB, IN.

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on December 02, 2006).

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt

Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation

is requested. This is NOT a request for ???????verification??????? or proof of my mailing address, but

a request for VALIDATION made pursuant to the above named Title and Section. I respectfully

request that your offices provide me with competent evidence that I have any legal obligation

to pay you. Please provide me with the following: What the money you say I owe is for.

Explain and show me how you calculated what you say I owe. Provide me with copies of any

papers that show I agreed to pay what you say I owe. Provide a verification or copy of any

judgment if applicable. Identify the original credit. Prove the statue of limitations has

not expired. Identify the original creditor. Show me that your are licensed to collect in

my state. Provide me with your license numbers and registered agent.



At this time I will also inform you that if your offices have reported invalidated information

to any of the 3 major Credit Bureau????????s (Equifax, Experian or Trans Union) this action might

constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark

is found on any of my credit reports by your company or the company that you represent I

will not hesitate in bringing legal action against you for the following:


Violation of the Fair Credit Reporting Act

Violation of the Fair Debt Collection Practices Act

Defamation of Character


If your offices are able to provide the proper documentation as requested in the following

Declaration, I will require at least 30 days to investigate this information and during such

time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered

detrimental to any of my credit reports, I will consult with my legal counsel for suit.

This includes any listing any information to a credit reporting repository that could be

inaccurate or invalidated or verifying an account as accurate when in fact there is no

provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of

your receipt, all references to this account must be deleted and completely removed from my

credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices

to my home or to my place of employment. If your offices attempt telephone communication with

me, including but not limited to computer generated calls and calls or correspondence sent

to or with any third parties, it will be considered harassment and I will have no choice but

to file suit. All future communications with me MUST be done in writing and sent to the

address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to

take legal action. This is an attempt to correct your records, any information obtained

shall be used for that purpose.


Best Regards,

Your Signature

I got that letter in one of the website i don't remeber what website. i downloaded to my computer hope it works for you.