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Answer A Debt Collector With This Free Debt Validation Letter Template




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


[Debt Collector's Name] [Debt Collector's Address] [City, State ZIP Code]


Re: Request for Validation of Debt


To Whom It May Concern:

I am writing in response to your recent communication regarding a debt you claim I owe. I dispute the validity of this debt and request that you provide me with the necessary information to verify it.


As per the Fair Debt Collection Practices Act (FDCPA), I am entitled to receive verification of this debt. I request that you provide me with the following information:

  1. The name and address of the original creditor

  2. The original amount of the debt

  3. The date the debt was incurred

  4. Any itemized breakdown of the debt, including interest or fees

  5. Proof that you are authorized to collect this debt

Please note that I am requesting this information in order to confirm that I am responsible for this debt. If you are unable to provide me with the information requested, I request that you cease all collection activity and remove any negative reporting from my credit report.

Thank you for your prompt attention to this matter.


Sincerely,

[Your Signature] [Your Name]

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