Sample Debt Validation Letter to the Collection Agency

A debt validation letter is a formal request that you can send to debt collectors and creditors in order to ask for evidence of the debts.

According to federal regulations, you are entitled to receive details regarding any debt that is claimed to be yours. This legal provision allows you to send such a letter to confirm the legitimacy of the debt collection agency and to ascertain the validity of their claim.

Following is an example of a debt validation letter to the collection agency.

TEMPLATE

Your Name

Your Address

Your Phone Number

Your Email ID

Date: ___________

Collection Agency Name

Office Address

City, State, Zip

RE: Validation for Account No. _____________.

To Whom It May Concern: 

This letter is in response to your letter reference no. _____ dated ______ regarding the alleged debt you have referenced. This does not constitute an admission of debt or a denial of payment, but a formal request for validation.

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to seek validation of the debt that you claim is owed to you. This communication is not a solicitation for “verification” or confirmation of my mailing address, but a plea for validation as per 15 USC 1692g Sec. 809 (b) of the FDCPA.

You are required to furnish the following details to me within a period of 30-days starting from the date of receiving this correspondence.

• Name and address of alleged creditor.

• Name on record of the alleged debtor.

• Full account number of alleged debt.

• Amount of the debt.

• Complete accounting of the debt.

• Alleged due date of the debt.

• Date of original charge off or delinquency.

• Any insurance claims which have been made by any creditor regarding this account.

• Evidence that the debt is within the State’s applicable Statute of Limitation.

• Name and address of the collection agency.

• Agreement between the collection agency and the creditor that grants you the authority to collect on this alleged debt.

• Amount paid if the debt was purchased.

• Completed and executed contract, including signature pages, for the debt of the alleged debtor, wherein he/she agreed to pay the creditor. Any other documents evidencing the alleged debt.

This is a validation request in accordance with the Fair Debt Collection Practices Act. Kindly allow a 30-day processing period upon receipt of the requested information.

Thank you for your time and consideration.

Sincerely,

    (Signature)

[Name of the Alleged Debtor]