Validation Follow Up Letter Responding to Signed Application

[Credit Expert]

Free Debt Letter Template: Validation Follow Up - Responding to Signed Application

This letter is to: Send only after a validation letter was sent a collection agency and responds to debt validation with a signed application.





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Dear Collection Agent,

I have received your attempted validation of the above mentioned account and have several issues to address with your claim that I owe this ALLEGED debt to your organization. Your legal counsel should review: Spears v Brennan, No. 49A02-0003-CV-169. This case ruled a signed contract does NOT constitute lawful debt validation. The contract in no way provides sufficient verification of the debt. It is very interesting material.

I find this as interesting as other cases in which consumers settle excellent claims against debt collectors in court and arbitration.

First, you have not, by any means, managed to prove to me that I owe this alleged debt to YOUR organization. You have not provided me with a complete statement of accounting as required by law to be considered full and complete validation.

Second, you have also not sufficiently proven to me that I owe this alleged debt. You did not provide me with a complete statement of accounting as required by law to be considered full and complete validation. You have merely supplied me with copies of the alleged contract. This does not sufficiently prove that there is any legal or contractual obligation between myself, your agency or the creditor.

Fourth, I do not appreciate the insulting tone in which my validation request was answered. I have a right to request ANY and ALL proof that I owe this alleged debt to your organization AND to the original creditor. Your answers were rude and insulting and I WILL be sure to report this negative response to the FTC and the BBB. This was completely uncalled for as I am acting within MY rights under the FDCPA and FCRA.

I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

I, again, request that your company PROVE to me, beyond a doubt that I incurred this alleged debt.

I also request that your company IMMEDIATELY abide by the rules and regulations of the FDCPA and CEASE all collection attempts on this account, including, but not limited to, removing ANY listing on my credit file that may be damaging to my credit status and verifying this information with the credit bureaus.

I hereby reinstate my validation request, as amended, and set forth that you now have 15 days to respond before further action is taken on my part. Please note the changes made within the validation request itself and answer ALL questions accordingly, along with providing the information that I have requested.



Thank You,



Savvy Consumer





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