Debt Verification Letter

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Creditor/Collection Agency Name]
[Address]
[City, State ZIP Code]

RE: Debt Verification Request - Account #[ACCOUNT NUMBER]

Dear Sir/Madam:

I am writing to request that you verify the debt you claim I owe on account number [ACCOUNT NUMBER]. I have a right to verify this debt information under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Please provide me with the following verified information within 30 days of receipt of this letter:

• Verification that I am the person responsible for this debt
• The current balance due on this account
• The original creditor name and address
• Detailed payment history for the past 24 months
• Date the account was originally opened
• Copy of the original signed contract or agreement
• Proof of your authority to collect on this debt
• Description of how the current balance was calculated

I dispute this debt pending receipt of proper verification. Please do not report this account to credit bureaus as valid until this verification is provided.

Failure to provide this verification may result in my filing a complaint with the Federal Trade Commission and state attorney general.

Please send your response via certified mail to the address listed above.

Sincerely,

[Your Name]
[Your Signature]