Debt Validation Sample Letter
Date
To: (Name of the Collections Agency) Address: (Address of the the Collection Agency) Agency) Account # 1234!""
$rom: (%our Name) Address: (%our (%our Address)
Deli&ery Confirmation #: '''' '''' '''' ''''
Dear Collection Agency Agency
ursuant to the $C*A + the $DCA , no- e.ercise my la-ful right to /uestion the &alidity of this de0t your agency claims has come due
$air Credit *eorting Act !' Disclosures to consumers: (c) (2) (5):
A consumer consumer reorting agency is not re/uired re/uired to remo&e accurate derogatory information from a consumer6s consumer6s file unless the information is outdated under section !' or cannot 0e &erified
$air Credit *eorting Act !11(a) !11(a) 1 (A) rocedure in case of disuted accuracy:
(a) *ein&estigations of Disuted ,nformation (1) *ein&estigation *e/uired (A) ,n general 7u08ect to su0section (f) if the comleteness or accuracy of any item of information contained in a consumer6s file at a consumer reorting agency is disuted 0y 0 y the consumer and the consumer notifies the agency directly or indirectly through a reseller of such disute the agency shall free of charge conduct a reasona0le rein&estigation to d etermine -hether the disuted information is inaccurate and record the current status of the disuted information or delete the item from the file in accordance -ith aragrah () 0efore the end of the 3'9day eriod 0eginning on the date on -hich the agency recei&es the notice of the disute from the consumer or reseller
$air De0t Collection ractices Act 7ection ' alidation of de0ts:
(0) ,f the consumer notifies the de0t collector in -riting -ithin the thirty9day eriod descri0ed in su0section
(a) that the de0t or any ortion thereof is disuted or that the consumer re/uests the name and address of the original creditor the de0t collector shall cease collection of the de0t or any disuted ortion thereof until the de0t collector o0tains &erification of the de0t or any coy of a 8udgment or the name and address of the original creditor and a coy of such &erification or 8udgment or name and address of the original creditor is mailed to the consumer 0y the de0t collector
According to the $air Credit *eorting Act 7ection !' (a)(1)(A) your comany is re/uired 0y federal lato &erify 9 through the hysical &erification of the original signed certified consumer contract 9 of an y and all accounts you re/uest to 0e osted and or reorted on a credit reort
, demand to see a coy of the erifia0le alidated roof (an original Consumer Contract -ith a -et9in; 7ignature on it coies of coies are not alidation and 0y
=nder the $C*A un&erified in&alid accounts must 0e remo&ed
,f you are una0le to ro&ide the me -ith a coy of the &erifia0le>&alidated roof that you ha&e on file -ithin 3' calendar days from receit of this notice for the account listed a0o&e then you must at once remo&e the account from (%our Name) credit reorts , demand the account 0e &erified or remo&ed immediately?
The la- is &ery clear as to the Ci&il lia0ility and the remedy a&aila0le to me for the @negligent noncomliance@ (7ection !1") if you fail to comly -ith this $ederal
7incerely
(%our Name)
This is a template of a validation letter -hich , sent out after recei&ing notification from a credit 0ureau that an item , disuted -as @&erified@ , ha&e had great success -ith this one Not only for me 0ut for my friends -ho ha&e used this to remo&e their negati&e items as -ell
Object1
%our Address
Date:
=77#
Name of Collection Agency
Address
*5: Name of Collection Agency
Account No
alance:
Dear Agency
, recei&ed your letter in resonse to the (5/uifa. Transunion 5.erian) disute , initiated
,ncluded , ha&e enclosed coies of the letter you sent me (see attached)
The urose of this letter is to ad&ise you that an imroer in&estigation -as conducted 0y your agency (Name of Collection Comany) failed to ro&ide me -ith a coy of any original documentation for e.amle a consumer contract a -ith my -et9in; signature on as re/uired under 7ection !' (a)(1)(A) + 7ection !11 (a)(1)(A) of the $air Credit *eorting Act
$urthermore you ha&e failed to ro&ide the method of &erification as re/uired under 7ection !11 (a) (")
lease 0e ad&ised that under 7ection !11 ()(A) of the $C*A B you are re/uired to @romtly D5<5T5 all information -hich cannot 0e &erified@
=nder The $C*A in 7ection !'(c)(2)(5) it states: @A consumer reorting agency is not re/uired to remo&e accurate derogatory information from a consumer6s file unless the information is outdated under section !' or cannot 0e &erified@
ursuant to the $air De0t Collection ractices Act , re/uest &erification>&alidation of the de0t including the follo-ing:
Coies of all information regarding the a0o&e9referenced de0t including statements reorts ledgers corresondence notes origination documents (including any and al l alication and usage>acti&ity signatures) and documents relating to any assignment of such account to and>or from any third arties
lease la0el all /uantitati&e entries such as dates ayments credits finance charges enalty fees collection commissions and attorney fees
Also lease ro&ide me -ith a comlete descrition of your clients identity including its full name address state and local license(s) and state and federal ta. num0ers
Coies of coies are not a form of alidation and 0y &alidated roof that you ha&e on file -ithin 3' calendar days from receit of this notice 0y la- you ha&e to immediately remo&e the aforementioned item in disute from my credit reort
,f you do not initiate an in&estigation regarding my disute as is my right under the $air Credit *eorting Act , -ill ha&e to ta;e legal action to rotect my credit rating and myself As ,6m sure you are a-are each &iolation of the $air Credit *eorting Act allo-s damages of 1''' should this matter e nd u in court
lease send the results of your findings to:
%our Address
, loo; for-ard to an e.edient resolution of this matter
%our Name
No matter -hat the results are of a &erification rocess or e&en if you ne&er 0othered to as; the collection agency for &erification you have the right to tell a collection agency to stop calling you eriod 7ection '(c) of the $air De0t Collection ractices Act simly ro&ides that if you instruct a collection agency in writing to stop contacting you, it must stop everything (including letters)
Object2
nce the agency recei&es your letter the la- allo-s it to send you one more letter in case it -ants to tell you that it is agreeing to sto collection efforts or it lans on using legal remedies to collect the money you o-e such as filing a la-suit against you or reossessing roerty used to secure the de0t
%our Name
%our Address
Ey telehone FFFFFFFFFFFFFFFF
Today6s Date
Collection Agency Name
Address
$a. Num0er (if a&aila0le)
Attn:
*e: Alleged riginal Creditor
*eference Num0er (usually ro&ided on collection letter9other-ise try to o0tain an account or reference num0er -hen they call9use last four digits of your social security num0er if necessary)
Dear 7ir>Eadam
, ha&e reeatedly as;ed you to sto calling me ursuant to the $air De0t Collection ractices Act
each time you call me once , ha&e as;ed you to sto you are in &iolation of the federal la-
,f you call me again you may 0e resonsi0le for statutory damages court costs and my attorney6s fees
Therefore immediately remo&e my telehone num0er from your files , trust you -ill not attemt to contact me or anyone , ;no- again
7incerely %ours
7ignature
FFFFFFFFFFFFFFFFFFFFFFFFFFFF rinted Name
c $ederal Trade Commission Attorney General for your state ci.
DATE
CREDI TOR/ CA/ORCRANAME Re :Ac c t #
Iam wr i t i ngt odi s put eaf r audul entt r adel i neonmycr edi tr epor ti nt heamountof$.Iam av i c t i m ofi dent i t y t hef t ,andIam r eques t i ngt hatt het r adel i neber emo vedf r om mycr edi tr epor t .
En cl os edi sac op yofmyI den t i t yThef tRe por ts uppor t i ngmypo si t i on. ( Is ubmi t t edac ompl ai ntwi t ht heFTConl i ne,pr i nt edt hef or m) I naddi t i on,Iam enc l os i ngac op yofs ec t i ons605B,615( f )and623( a) ( 6)oft heFai rCr edi tRepor t i ngAc t ( FCRA) ,whi c hde t ai l y ourr es pons i bi l i t i esasani nf or mat i onf ur ni s hert oc ons umerr epor t i ngagenc i esi n r es pons et ot heI dent i t yThef tRepor tIam pr ov i di ng.Thes eenc l os ur esal s odet ai l y ourr es pons i bi l i t i est hat a ppl yi nt h ee v en ty o ur e ce i v ef r o m aco ns ume rr e po r t i n ga ge nc yno t i c eun de rs e ct i o n6 05 Bo ft h eFCRA t hati nf or mat i ony oupr ov i dedt ot her es ul tofi dent i t yt hef t .
Pl eas ei nv es t i gat et hi smat t erandr emo vet hef r audul entent r yi mmedi at el y .
Si nc er el y ,
Yournameandaddr ess
En cl os ur e s: I dent i t yThef tRepor t FCRASe c t i o ns60 5B,6 15 ( f ) ,6 23 ( a ) ( 6 )
ENCLOSURE: FCRA60 5B( 1 5U. S. C.§1 68 1c 2 )Bl o c ko fI nf o r ma t i o nRe su l t i n gf r o mI d en t i t yTh ef t
( a)Bl oc k
Ex c eptasot her wi s epr o vi dedi nt hi ss ec t i on,acons umerr epor t i ngagenc yshal l bl oc kt her epor t i ngofan y i nf or mat i oni nt hefi l eofac ons umert hatt hec ons umeri dent i fi esasi nf or mat i ont hatr es ul t edf r om an al l egedi dent i t yt hef t ,notl at ert han4bus i nes sday saf t ert hedat eofr ec ei ptbysuc hagenc yof -
( 1)appr opr i at epr oofoft hei dent i t yoft hec ons umer ;
( 2)ac opyofani dent i t yt hef tr epor t ;
( 3)t hei dent i fi cat i onofs uc hi nf or mat i onb yt hec ons umer ;and
( 4)as t at ementbyt hec ons umert hatt hei nf or mat i oni snoti nf or mat i onr el at i ngt oan yt r ans ac t i onb yt he consumer .
(Not i fi c at i on
Ac ons umerr epor t i ngagenc yshal l pr ompt l yno t i f yt hef ur ni s herofi nf or mat i oni dent i fi edbyt hecons umer unders ubs ec t i on( a)oft hi ssec t i on-
( 1)t hatt hei nf or mat i onmaybear es ul tofi dent i t yt hef t ;
( 2)t hatani dent i t yt hef tr epor thasbeenfi l ed;
( 3)t hatab l oc kha sb eenr eques t e dundert hi sse ct i on ;a nd
( 4)oft heeffec t i v edat esoft hebl oc k.
©Aut hor i t yt odec l i neorr es ci nd
( 1)I ngener al
Ac on sumerr epor t i nga gen cyma ydec l i net ob l oc k ,orma yr es c i n dan ybl o ck ,ofi nf or ma t i onr el at i ngt oa c on sumeru ndert h i sse ct i on,i ft hec ons umerr e po r t i nga gen cyr eas onabl yde t er mi nest hat ( A)t hei nf or ma t i onwasbl o ck edi ner r o ro rabl oc kwasr eques t edb yt h ec on sumeri ne r r o r ; (t h ei nf or mat i onwasbl oc k ed,orabl o ckwasr eques t edbyt hec ons umer ,ont hebas i sofamat er i al mi s r epr es ent at i ono ff a ctb yt hec ons umerr el e v an tt ot h er eques tt obl oc k ;o rt hec ons umerobt ai ned pos s es si onofgoods ,s er v i c es ,ormone yasar es ul toft hebl oc k edt r ans ac t i onort r ans ac t i ons .
( 2)No t i fi c at i ont oc ons umer
I fabl oc kofi nf or mat i oni sdec l i nedorr es ci ndedundert hi ssubs ec t i on,t heaff ec t edc ons umers hal l be no t i fi edpr o mpt l y , i nt hes amemannerasc on sumer sar eno t i fi edoft her ei ns er t i onofi nf or mat i onunder s ec t i on1681i ( a) ( 5) (o ft hi st i t l e.
( 3)Si gni fi c anc eofbl oc k
Fo rp ur po sesoft hi ssub sec t i on,i fac ons umerr ep or t i n gagenc yr e sc i ndsab l oc k ,t hepr es en ceof i nf or mat i oni nt hefi l eofac ons umerpr i ort ot hebl oc ki ngofs uc hi nf or mat i oni snotev i denc eofwhet hert he c o ns u me rk n ewo rs h ou l dh av ek no wnt h att h ec o ns u me ro bt a i n edpo s s es s i o no fa nyg oo ds ,s e r v i c e s ,o r mone ya sar e sul to ft hebl oc k .
( d)Ex cept i onf orr es el l er s
( 1)Nor es el l erfi l e
Thi sse ct i ons hal l no tappl yt oac ons umerr epor t i ngage nc y ,i ft h ec ons umerr epor t i n gagenc y -
( A)i sar es el l er ;(i snot ,att het i meoft her eques toft hec ons umerunders ubs ec t i on( a)oft hi ssec t i on, ot her wi s ef ur ni s hi ngorr es el l i ngac ons umerr epor tc onc er ni ngt hei nf or mat i oni dent i fi edb yt hecons umer ; andi nf or mst hec ons umer ,b yan ymean s,t hatt hec ons umerma yr epor tt hei dent i t yt hef tt ot he Commi s si ont oobt ai ncons umeri nf or mat i onr egar di ngi dent i t yt hef t .
( 2)Res el l erwi t hfi l e
Thesol eobl i gat i onoft hec ons umerr epor t i ngagenc yundert hi ss ec t i on,wi t hr egar dt oan yr eques tofa c on sumeru ndert h i ss ec t i on,s hal l b et obl oc kt hec on sumerr epor tmai nt ai nedb yt h ec ons umerr epor t i ng a ge nc yf r o ma nys ub se qu en tu se ,i f ( A)t hec ons umer ,i nac cor danc ewi t ht hepr o vi s i onsofs ubs ec t i on( a)oft hi ssec t i on,i dent i fi es ,t oa c ons umerr epor t i ngagenc y ,i nf or mat i oni nt hefi l eoft hec ons umert hatr es ul t edf r om i dent i t yt hef t ;and t hec ons umerr epor t i ngagenc yi sar es el l eroft hei dent i fi edi nf or mat i on.
( 3)
Not i c e
I nc ar r y i ngouti t sobl i gat i onunderpar agr aph( 2) ,t her es el l ers hal l pr ompt l ypr o vi deanot i c et ot he c on sumero ft hede ci s i ont obl oc kt hefi l e .Suc hn ot i c es hal l c on t ai nt hen ame,ad dr es s ,andt el eph one n umb ero fe ac hc on s ume rr e po r t i ngag en c yf r o m wh i c ht h ec on su me ri n f o r ma t i o nwa sob t a i n edf o rr e sa l e .
( e)Ex c ept i onf orv er i fi cat i onc ompani es
Thepr o v i s i on soft h i sse ct i ondono tappl yt oac hec kser v i c esco mpan y ,a ct i nga ss uc h,whi c hi s s ues aut hor i z at i onsf ort hepur pos eofappr o vi ngorpr oc es si ngnegot i abl ei ns t r ument s ,el ec t r oni cf undt r ans f er s , ors i mi l armet hodsofpa yment s ,e x ceptt hat ,begi nni ng4bus i nes sda ysaf t err ec ei ptofi nf or mat i on des c r i bedi npar agr aphs( 1)t hr ough( 3)ofs ubs ec t i on( a)oft hi ssec t i on,ac hec kser v i c esc ompan ys hal l notr epor tt oanat i onal c ons umerr epor t i ngagenc ydes c r i bedi ns ec t i on1681a( p)oft hi st i t l e,an y i nf or mat i oni dent i fi edi nt hes ubj ec ti dent i t yt hef tr epor t asr e s ul t i ngf r om i dent i t yt hef t . ( f )Ac c es st obl o ck edi nf or ma t i onb yl a w enf or c ementagenc i e s
Nop r o vi s i onoft h i ss ec t i o ns hal l bec on st r u eda sr equi r i ngac ons umerr epor t i ngag enc yt op r e v enta Fe der al ,St at e,orl oc al l a w enf or c emen tagen cyf r om ac c es s i ngbl o ck edi nf or ma t i oni nac ons ume rfi l et o whi c ht heagenc ycoul dot her wi s eobt ai nac ces sundert hi st i t l e. ENCLOSURE: FCRA6 15 ( f )( 1 5U. S. C.§16 81 m( f ) )Re qu i r e me nt so nUs e r so fCo ns u me rRe po r t s–Pr o hi b i t i o no nSa l eor T r ans f e ro fDebtCau sedb yI dent i t yThef t
( f )Pr ohi bi t i onons al eort r ans f erofdebtc aus edbyi dent i t yt hef t
( 1)I ngener al
Noper s ons hal l s el l ,t r ans f erf orc ons i der at i on,orpl ac ef orc ol l ec t i onadebtt hats uc hper s onhasbeen not i fi edunders ec t i on1681c 2oft hi st i t l ehasr e sul t edf r om i dent i t yt hef t .
( 2 )Appl i c abi l i t y
Thepr ohi bi t i onsoft hi ssubs ec t i ons hal l appl yt oal l per s onscol l ec t i ngadebtdes cr i bedi npar agr aph( 1) af t ert hedat eofanot i fi cat i onunderpar agr aph( 1) .
( 3)Rul eofc ons t r uc t i on
Not hi ngi nt hi ssubs ec t i ons hal l bec ons t r uedt opr ohi bi t -
( A)t her epu r c has eo fadebti nan ycas ei nwhi c ht heas s i g ne eoft hedeb tr equi r e ss uc hr ep ur c ha se bec aus et hedebthasr es ul t edf r om i dent i t yt hef t ;
(t hes ec ur i t i z at i onofadebtort hepl edgi ngofapor t f ol i oofdebtascol l at er al i nc onnec t i onwi t ha bor r o wi ng;ort het r ans f erofdebtasar es ul tofamer ger ,ac qui s i t i on,pur c has eandas sumpt i ont r ans ac t i on, ort r ans f erofs ubs t ant i al l yal l oft heas s et sofanent i t y .
ENCLOSURE: FCRA62 3( a ) ( 6 )( 15U. S. C.§1681s 2( a ) ( 6 ) )Re spons i bi l i t i esofFu r n i s her sofI nf o r mat i ont oCons umer Repor t i ngAgenc i es–Dut i esofFur ni s her suponNo t i c eofI dent i t yThef t Rel at edI nf or mat i on ( 6)Dut i esoff ur ni s her suponnot i c eofi dent i t yt hef t r el at edi nf or mat i on
( A)Re as o na bl epr o c ed ur e s
Aper s ont h atf ur ni s hesi nf o r mat i o nt oa nyc on sume rr e po r t i ngagen cys hal l ha v ei npl ac er eas onabl e pr o cedur est or es pondt oan yn ot i fi c at i ont hati tr e cei v e sf r om ac ons ume rr epor t i ngagenc yunders ec t i on 1681c 2oft hi st i t l er el at i ngt oi nf or mat i onr es ul t i ngf r om i dent i t yt hef t ,t opr ev entt hatper s onf r om r ef ur ni s hi ngs uc hbl oc k edi nf or mat i on.
(I nf or mat i onal l egedt or es ul tf r om i dent i t yt hef t I fac on sumers ubmi t sani d ent i t yt hef tr epor tt oaper s onwhof ur n i s he si nf or mat i o nt oac ons umer r epor t i ngagenc yatt headdr es ss pec i fi edbyt hatper s onf orr ec ei v i ngs uc hr epor t sst at i ngt hati nf or mat i on mai nt ai nedb ys uc hper s ont hatpur por t st or el at et ot hec ons umerr es ul t edf r om i dent i t yt hef t ,t heper s on ma yno tf ur ni s hs uc hi nf o r mat i ont h atpur po r t st or e l at et ot hec ons umert oan yc on sumerr epor t i ngagen cy ,
unl es st h epe r s ons ubs eq ue nt l yk no wsori si nf or medb yt h ec on sumert hatt hei nf or mat i oni sc or r ec t .
* * * * I fy oudontha vet i met os ubmi taFTCc ompl ai nt ,her e' sanot herl et t ert ous e. Su bmi tt h eFCRAc i t a t i o ns( s e ea bo v e)a swe l l .
( 4)
I DENTI TYTHEFTST ATEMENT
Dat e
COLLECTI ONAGENCY: ACCOUNTNO.
Iam e x er c i s i ngmyr i ght si nac c or danc ewi t h( I AW)t heFai rCr ed i tRepor t i n gAc tt or equ es tr e mo v al o fan y t r adel i nesoft hi sac countonmycr edi tr epor ti nc l udi ngi nqui r yr ec or dsandc ol l ec t i onnot i c esbei ngr epor t ed t ot het hr eemaj orc r edi tbur eaus ,Ex per i an,T r ans Uni on,andEqui f ax .Thi sr eques ti sduet ot hef ac tt hat t heabo ver ef er enc edac counti sf r audul entduet ounaut hor i z edac ces st out i l i t ys er v i c esdat i ngf r om Oc t ob er2 00 3t hr o ug hDe ce mb er2 005 .L i k e wi s e ,y o us ha l l c o ns i d ert h i sac c ou ntt ob ef r a udu l en ta nda c as eofi dent i t yt hef t .Idi dnotputt hi si nwr i t i ngs ooneri nwr i t i ngs oonerbec aus eIwasunawar eoft he f r audul entac t i v i t yunt i l Ic ont ac t edt heor i gi nal c r edi t or ,Cons umer sEner gy ,i nSept ember2007.Ial s o r ec ei v ed,i nwr i t i ng,apar t i al debtv al i dat i onf r om y ouragenc y .I naddi t i on,Idi dnotk nowwhatr ec our s e wasav ai l abl et omeasani dent i t yt hef tv i c t i m.
Ih er e bya ffir m: ( I fy o uha v ean yo fo y ouro wndegens es ,l i s tt hem h er easwel l )
vIdi dno taut hor i z ean y onet ous emynameo rper s on al i nf or mat i ont os eekt hemone y ,c r ed i t ,l oans , goodsors er v i c esdes cr i bedi nt hi sr epor t .
vIdi dnotr ec ei v ean ybenefi t ,mone y ,goods ,ors er v i c esasar es ul toft heev ent sdes c r i bedi nt hi sr epor t .
vIdo n’ tk no w whot h ei mpo st eri satt hi st i meo rh owt h i shappened.
TheCa nt we l l En zi a me nd men tt ot h en at i o na l l yap pr o v edF ACT A( e ffe ct i v eJ u ne2 ,2 00 4)wi l l r eq ui r e c ompl i anc ewi t ht hi sr eques twi t hi n30da ys .Fur t her ,c r edi ti s suer smus tpr o vi det hatdoc ument at i onand i nf or mat i ont oapol i c eagenc ydes i gnat edb yt hei mper s onat edpar t y .I nl i euofapol i c er epor t ,offic i al affida vi tfi l edwi t ht hef ol l owi ngagenc y :
Nameof ag en c y :FEDERALTRADECOMMI SSI ON Cas e#_____( I fy o ufi l eaFTCc ompl a i ntt he ywi l l s endy o uac onfi r mat i on#ont hel e t t er . )
Pl eas ebeadv i s edt hatc ont i nuedr epor t i ngoft hi sac c ountt ot hec r edi tbur eausasc ol l ec t i oni t emsi s c on s i de r e dav i o l a t i onoft h es t a t ean df ed er a ll a wsi nac c or d an c ewi t hFCRAANDF ACT A.Pl ea s ed on ot s el l ,di s t r i but e,t r ade,ex change,s har e,donat e,gi v eawayand/ ort r ans f eri nf or mat i onaboutt hi sf r audul ent ac countwi t han yot herent i t y .Onc er es ol v ed,Ie xpec tal e t t erofc l ear anc et obei s suedwi t hi n10da ys .
Yourname&addr ess( Donotsi gn)
Idec l ar eunderpenal t yofper j ur yt hatt hi sdec l ar at i oni st r ueandc or r ec tt ot hebes tofmyknowl edge. Kno wi ngl ys ubmi t t i ngf al s ei nf or mat i onont hi saffida vi tc oul ds ubj ec tmet oc r i mi nal pr os ec ut i onf orper j ur y .
WI TNESS:
____________________________________________________
( Si gnat ur e)( Pr i nt edname)
_____________________________________________________ ( Dat e)( T el e phone)
Enc l : Cc :FI L E
FTC
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