Name of Old Fully-Paid Acquaintance Address
Address
City, State, ZIP

To Whom It May Concern:

I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by NAME OF COLLECTION AGENCY or NAME OF ORIGINAL CREDITOR for me, YOUR NAME, for account number XXXXXXXXX.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driver’s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

I look forward to a timely and amicable resolution to this matter.

Sincerely yours,

Your Name
Your Address

Collection Agency Name
Collection Agency Address

Re: Acct Number XXXXX [if unavailable, list the name of the account]

To whom it may concern:

This letter is in response to your letter (or phone call) dated XX/XX/XX, and/or a listing you placed on my credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act that this alleged debt is disputed.

Please provide me with the following:

-a detailed accounting of how the amount you say I owe was calculated
-a copy of a signed contract between me and the original creditor
-proof that you own or have been assigned the debt
-proof that you are licensed to collect in my state [note: there are a few states that don't require debt collectors to be licensed; leave this part out if your state is one of them]

If you fail to respond to this request within 30 days of your receipt of this letter, you must delete all listings of this debt that you have placed on my credit reports.

This letter also serves as written notice that your company is not to contact me by telephone. All future communications with me must be made in writing and sent to the address listed above.

Your Name
Your Address

Collector’s Name
Collector’s Address

RE: [account number, or if unavailable, name of account]

To whom it may concern:

This letter is in response to your letter dated [__________] (copy enclosed) or phone call dated [__________] regarding the collection on the debt account listed above.

I do not believe I owe this debt and therefore I dispute this account. I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. Therefore, I’d like to inform you that I have checked with my State Attorney General and verified that the Statute of Limitations for this type of debt through the courts in [name of state] has expired. If you intend to take this issue to court, I shall inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is to demand that your company should not contact me except to inform that collection efforts are terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Henceforth, I shall consider any contact a violation of The Fair Debt Collection Practices Act and will report it immediately to the State Attorney General or Federal Trade Commission. Please be advised that I tape record all phone calls and violations of the FDCPA may result in your company being held liable for up to $1000 in damages per incident.