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Debt Verification letter - A tool to verify your debt

You need a debt verification letter to verify your debt with the original creditor. The letter is primarily used to dispute/verify an item on your credit report with the creditor. You can send this letter via certified mail to request your original creditor to prove that the debt is really yours. Under FCRA, the creditor is required to comply with the verification request. In case the creditor fails to verify the debt, then you can file a law suit against him/her. To get more details, check out the sample debt verification letter.

ya gotta love lawyers for some things huh! please...
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ya gotta love lawyers for some things huh! please let me know if any of those laws have changed and any of those rules have changed ,example; proof of debt and statute of limitations. there must be state to state differences. but its very clever and what ever slows there collection process

SOL varies from state to state (even from 3 to 10 years), we have tried to cover SOL and related laws under the ranking charts of reach state.

Sub: #1 posted on Mon, 03/21/2005 - 10:30

simon simon

(Posts: 307 | Credits: )

Received my First Debt Verification Letter Reply back yesterday:

From FCNB Credit Card Services

Dear My Full NAme

Thank you for your recent inquiry regarding your Card Processing Center Account.

Unfortuanately, we are unable to locate the above referenced account. Pleasde be advised that it may no onger be in our data system, and cannot be accessed. Therefore, you must contact the reporting agencies indicated below to obtain copies of your credit bureau to verify any information, as we regrettable unable to be of assistance. You may notify the folloowing agencies directly of any discrepancies:

Trans Union

We hope this information will be helpful to you and we consider this matter resolved.


Card Processing Center
Customer Service Department

I sent them EXACTLY: the account info as it was displayed on my credit report as they have been reporting it.

Now I get the joy of having these entries deleted form my Credit Reports...

One step closer to improving my Report and Scores :P


(PS: in regards to the Debt Verification Letter I used, it is a complilation with edits/changes/ideas I have come across, reworded and/or rephrased to fit my needs/circumstances.

Sub: #2 posted on Wed, 03/23/2005 - 04:50

jtucker jtucker

(Posts: 115 | Credits: )

Got another reply back on Debt Verification kinda looks like a fishing expidition and delaying tactic maybe ?

This is actually from a Doctors Office (Orthodontist) in W.V. listing on my credit report as S.E. 2 Investments real weird :?

Anyway the contents are as follows:

Dear [My Full Name here]

I received your letter regarding your credit report. I have tried to contact Equifax, Experian, and TransUnion to get additional information regarding your account. The credit agencies are unable to give me information unless I have your Social Security Number.

I cannot find any records in my office relating to your name. I will need aditional information to help you solve this problem.

If you could please contact my office as soon as possible I will try to help get this matter resolved.


[His Name]

He has to think I am a fool if I am going to revel my Social Security Number to him, especially as I have never lived in W.V., have never had Orthodotic Work done by any dentist esp $4,000+ worth. And besides his S.E.2 Investments has it listed as a Legal Repossession. What did he Repo? Teeth? LOL...and besides if we had done business togeter he should have that information already.

My Social Security Number I never like to give out and will always find alternatives to using it for Identification purposes, I dont even have it listed on my Drivers License.

Guess I will have to draft a follow up letter and include a copy of his listing from my credit report as a answer for more info, But I dont think this should increase his time to validate my Debt past the 30 days afforded onced asked for.

Any opinions on this one?


Sub: #3 posted on Wed, 03/30/2005 - 16:59

jtucker jtucker

(Posts: 115 | Credits: )

Got another reply this evening when I got home from work :P

This on eis a GOOD one..and shows WHY asking to Validate a debt is prob. a Very Good Idea.

Content of Letter:

Dear Mt. {My Full name here]

Attached is the Document you have requested. Your Itemized Bill was created while the Hospital was in the process of billing your Insurance. The balance on the Itemized Statement may not reflect your Current BALANCE. Your Correct Balance is listed below:

The below listed medical Acount balances are being provided as per your request:

Account # Service Date Balance
XXXXXX 05/25/2000 $0.00


Collection Representitive

There ya go...another bites the dust and another step closer to cleaning up my credit.


Sub: #4 posted on Thu, 03/31/2005 - 13:38

jtucker jtucker

(Posts: 115 | Credits: )

Do you have an opinion on that request for my SSN requested in the privious letter for me to reply to?

But the last reply to Debt Verification Letter should illustrate how important it is to check your credit report and follow up on entries.

I have good insurance and Use a flex Spending account maxed each year so am suprised to see medical bills there ..maybe a few more of them will disaappear.


Sub: #5 posted on Thu, 03/31/2005 - 18:46

jtucker jtucker

(Posts: 115 | Credits: )

Here is my Letter to the credit Reporting Agency to have this Mutual Hospital Severices Entry corrected or remove.

[My Full Name]
[My Address]
[My city, State,zip]

Date: April 1, 2005

Credit Reporting Agency Name
[Their city, State,zip]

RE: Dispute and Investigation Requests
Personal Information
Report Date: 03/02, 2005
Report Number: XXXXXXXXX
[My Full Name]
Social Security Number: xxx-xx-xxxx Date of Birth: Month xx, xxxx

Dear Sir or Madam,

I received my credit report on March 02, 2005 from your company. I had an entry from "Mutual Hospital Srvcs IN" on my report from your agency that is in error. I sent them a Validation of the Debt letter asking for details on this entry. I have now received a letter dated March 21, 2005, informing me that this entry was in error and this entry should be "Paid in full" and not listed as "Paid in Settlement" the way it is currently showing. I expect to have this entry correct and/or removed at the earliest opportunity. As shown and indicated in attached letter/invoice I have a $0 Balance as the debt was paid by my insurance company and this listing was generated while the Hospital was billing my Insurance Company.(See attached copy of letter)

This is a letter to request for the removal of inaccurate information on my credit report. This inaccuracy has resulted in many inconveniences. Error Prone Entries like this has a negative impact on my Credit Scores and limit my options unfairly. I have not been able to apply for various loans and/or have received less favorable credit decisions due to errors of this type.

According to the Fair Debt Collections Practices Act (fdcpa), the FCRA and Pursuant to United States Code, Title 15, Chapter 41, Subchapter III, Section 1681I an item must be removed if upon investigation by the credit bureau it is found to be inaccurate, incorrect, erroneous, misleading or outdated.

I do understand that you have a huge work load and this would have been a minor flaw. But this has curbed my financial options. For your convenience I am sending you the proofs of the items you need to verify. According to the law these changes must be made at the earliest. Otherwise you are likely to violate the federal law.

Please complete the changes at the earliest and send me a copy of the changed credit report.

[My Full Name].

Sub: #6 posted on Fri, 04/01/2005 - 06:25

jtucker jtucker

(Posts: 115 | Credits: )

Heres what I finally drafted to that DR who asked for my SSN cause he couldnt find any record on me with his busniess:

[My Full Name]
[My Address]
[My city, State,zip]

Date: April 1, 2005

S.E.2 Investments
1040 20th Street
Huntington, WV 25703-2059

Re: Acct Ref. # XXXXXX

Dear Dr. Sammons:

I hope you can see and understand my reluctance in disclosing my SSN to anyone, none the less an unknown individual and/or company I have never done business with.

I have never lived nor worked in West Virginia, nor have I ever had Orthodontic Work done to the tune of almost 5,000.00 dollars as is listed as the "HIGH" with a balance of almost 3,000.00 (see enclosed documents I have copied from my credit report for your inspection). Also, the Entry on my credit reports is for a "Legal Repossession" which further confuses the issue, as I notice from your Letter head you are a Doctor of Dentistry. I can only assume you do not "repossess" teeth/dentures?

I refuse to disclose my SSN in this manner and it is my legal right to do so. If as you say, in your reply letter to me, you have no record of my Name. SSN, etc. then I would expect to have these entries removed from my credit files immediately as it is obvious that we have never had any business dealings of any kind.

I also see by my CMRR stamping that your received my initial VOD letter on 3/22/2005, and I am expecting that 30 days from that date is when this will be cleared up and no later.

Your business some how in error placed my name/Address etc. in the Credit bureaus and I expect if this can not be validated to have it removed in the same manner.

I have included copies of the EXACT entry on my TransUnion Report and the header of my report page with the Personal Information removed, leaving my mailing Address, and file number for reference.


[My Full Name]

I am no way in heck giving my SSN to anyone/Business I have never done business with or am unsure I did busnies with and they cant fully justify a legal reason to ask for it.


Sub: #7 posted on Fri, 04/01/2005 - 08:04

jtucker jtucker

(Posts: 115 | Credits: )

Do you have an opinion on that request for my SSN requested in the previous letter for me to reply to?

They should give a complete detail before asking SSN number; keep all the documents as a proof. You after discussion and research will have to take the step.

I give SSN to only trusted parties. If some business demands for my SSN, I try to get the things in writing before giving them the details.


Sub: #8 posted on Fri, 04/01/2005 - 09:39

Vikas Vikas

(Posts: 2022 | Credits: )

This case is closed :P

received a letter today informing me this is a case of a mistyped SSN/Name from the OC reporting tbhis, told me as I did not supply my whole SSN number he can not delete it properly as the CRA will not revel any info to him with out my SSN.

He told me to dispute it with the CRA and he would have it removed as a incorrectly listed Item at that point.

This makes like 8 tiems I haev confirmed removed from my reports since I satrted this clean-up campaign :P


Sub: #9 posted on Mon, 04/11/2005 - 16:23

jtucker jtucker

(Posts: 115 | Credits: )

Hi jtucker,

This is great news :D

Keep sharing your experience and insights on Debt Verification Letter with other members of the forum in the coming days.


Sub: #10 posted on Mon, 04/11/2005 - 22:22

Jason Jason

(Posts: 2428 | Credits: )

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