Debt Validation Letter Responding to Collection Call

[Credit Expert]

Free Debt Letter: Debt Validation Request In Response to Dunning Telephone Call from Collection Agency




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RE: Validation / Harassment / FDCPA Warning


Dear Collection Agency,

This letter is sent in response to the telephone call. Be advised this is not a refusal to pay, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sect. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for ‘verification’ or proof of my mailing address, but a request for validation pursuant to the above named law. I request that you provide me with competent evidence that I have a legal obligation to you for a debt.

Please provide me with the following:
1. An explanation of what the amount owed is for and how it was incurred.
2. An explanation of how this amount was calculated.
3. Copies of any documents that show I agreed to pay this amount.
4. A verification or copy of any judgment if applicable.
5. An identification of the original creditor.
6. Proof that the Statute of Limitations has not expired on the account.
7. Proof that you are licensed to collect in my state.
8. Your license numbers and Registered Agent documentation.

If your offices have reported invalidated information to any of the three major credit bureaus (Equifax, Experian, or TransUnion) this may constitute fraud under federal and state laws. If any negative mark is placed on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for violation of the Fair Credit Reporting Act, violation of the Fair Collection Practices Act, and defamation of character.

If your offices are able to provide the proper documentation I have requested, I require at least 30 days from the date of my receipt to investigate this information. During this time all collection activity by you must cease. During this validation period, if any action is taken, which could be considered harmful to any of my credit reports, I will consult an attorney and consider legal action.

If your offices fail to respond to this request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion must be sent to me immediately.

I formally request that you and your representatives do not contact me by telephone. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will instruct my attorney to proceed with legal action. All future communication with me must be in writing and sent to the address noted in this letter by mail.

This letter is an attempt to correct your records and any information obtained shall be used for that purpose only.


Sincerely,


Smart Consumer






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