Request For Debt Validation Letter

Last Updated: April 28, 2024

Request For Debt Validation Letter

Dear [Creditor’s Name or Collection Agency’s Name],

I hope this letter finds you well. My name is Sean Garza, and I recently received a notice regarding an alleged debt under my name, with the account number [Account Number], dated [Date of Notice]. Before proceeding further, I am exercising my rights under the Fair Debt Collection Practices Act, Section 809(b), to request validation of this debt.

To ensure that I am fully informed and that any decisions made are based on accurate and complete information, I kindly request the following:

  1. A detailed statement of the amount owed and how it was calculated.
  2. The name and address of the original creditor, if different from your agency.
  3. Proof that your agency is authorized to collect this debt for the original creditor.
  4. A copy of the agreement that authorizes you to collect on this alleged debt.
  5. Verification that this debt falls within the statute of limitations for collecting debts in my state.

Please provide this information within 30 days of receiving this letter, as outlined by the FDCPA, to ensure no misrepresentation of the debt’s validity. During this validation period, I also request that all collection efforts and reporting to credit bureaus be paused until the requested information is provided.

I appreciate your cooperation and understanding in this matter. Please send the requested documentation to my address below:

[Your Mailing Address]

Thank you for your prompt attention to this request. I look forward to resolving this matter appropriately.


Sean Garza

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