DEBT VALIDATION LETTER TEMPLATE
US Debt Wire — usdebtwire.com/glossary/debt-validation-letter

Send by a method that creates proof of delivery (certified mail with return
receipt is standard). Keep a copy for your records. Send within 30 days of
the collector's first written communication to trigger the automatic pause
in collection activity under the FDCPA (15 U.S.C. § 1692g).

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

[Date]

[Collector Name]
[Collector Address]
[City, State, ZIP]

Re: Account Number [account number, if known]

To Whom It May Concern:

I am writing in response to your communication dated [date of their
letter/call], regarding a debt you claim I owe in the amount of
[$amount, if stated].

This letter is a request for validation of this debt, made pursuant to my
rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g.

Please provide the following:

1. The name and address of the original creditor.
2. The amount of the debt, and an explanation of how that amount was
   calculated.
3. Proof that you are licensed to collect debts in my state, if applicable.
4. Verification or a copy of any judgment, if you claim one exists.
5. Documentation showing you are the current owner of this debt, or are
   authorized to collect it on behalf of the current owner.

Until you provide this validation, please be advised that I dispute this
debt in its entirety. I am requesting that you cease all collection
activity, including credit reporting related to this account, until
validation is provided, as required under the FDCPA.

Please direct all further communication regarding this matter to the
address above, in writing.

Sincerely,

[Your Signature]
[Your Printed Name]

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This template is general information, not legal advice, and does not
replace review by a licensed attorney in your state. See
usdebtwire.com/editorial-standards for sourcing and correction policy.