As per the Fair Debt
Collection Practices Act (FDCPA) , You have to send the debt validation
letter to the collection agency via a certified mail, if they fail to
send written validation of debt within five days of contacting
you.
Validation letter is for the
collection agency. You send this letter to the agency to check whether
or not they qualify to collect the debt from you. It has nothing to do
with the original creditor.
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