Debt Validation Letter
Ask a collection agency to prove the debt, amount, original creditor, and its authority to collect.
Fair Debt Collection Practices Act (FDCPA), Section 809(b)
When to use it
Use soon after a debt collector first contacts you, especially before admitting, promising to pay, or sending money.
How to use it
- Send within 30 days of the first collection notice when possible.
- Do not admit the debt is yours in the letter.
- Ask for itemized proof and the original creditor details.
- Mail certified and save proof of delivery.
- Review the response before negotiating or paying.
Template
[Your Full Name]
[Your Mailing Address]
[City, State ZIP]
[Date]
[Collection Agency Name]
[Collection Agency Address]
Re: Account / Reference Number [XXXX]
To Whom It May Concern:
I am responding to your communication regarding the account referenced above. I dispute the validity of this debt and request validation under the Fair Debt Collection Practices Act.
Please provide:
1. The name and address of the original creditor.
2. The amount of the debt, including an itemized breakdown of fees and interest.
3. Documentation showing that I am legally obligated to pay this debt.
4. Documentation showing your authority to collect this debt.
5. Your license number or registration information, if required in my state.
Until validation is provided, please cease collection activity and mark any credit reporting as disputed.
Sincerely,
[Your Signature]
[Your Printed Name]
iRunCredit provides free educational information and document templates. We are not a law firm, credit repair organization, lender, credit bureau, or financial advisor, and nothing here is legal, financial, or credit repair advice. You can dispute credit-report errors and contact creditors yourself for free under federal law. Always verify facts, keep copies, and consider a qualified professional for your specific situation.