This is my first letter for debt validation. I hoping someone will look at this letter, and let me know if it's ok, or if I need to change anything. Thank You AndI My Name My address My city, state zip AAA Credit Service Address City, State Zip Aug. 5, 2002 RE: Account #xxxxxxxxx/Original Creditor Dear Sir/Madame: This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. This letter is being sent to you as a result of being listed on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation, which is binding on me to pay this debt. Below are a few questions to answer, which may help you to resolve these mistakes. Be advised that I am not requesting a â??verificationâ? that you have my mailing address, I am requesting a â??validation;â? that is, competent evidence that I some contractual obligation to pay you. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Iâ??m sure you legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. In addition to the questionnaire below, please attach copies of: 1. Agreement with you r client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor 3. Any insurance claims been made by any creditor regarding this account 4. Any judgments been obtained by any creditor regarding this account Best regards, Andrea McAdams Debt Validation Form Questionnaire to be returned to me for Account #xxxxxxxxx Original Creditorâ??s Name: ___________________________ Name of Debtor: ____________________________________ Address of Debtor: _______________________________ Balance of Account: _______________________________ Date you acquired this debt: _________________________ This debt was: assigned_________ purchased _____________ Please indicate any credit bureaus to which you have reported negative marks: Experian ________ Equifax __________ Tans Union _________
Unless you want to put a statement in there about contacting you only by mail, then go ahead and send it.
Is this going to a CA or an OC? and what are the circumstances?... SOL? I realize this may have been typed in and not cut and pasted from your word processor... but you need to spell check and grammar check before sending (such as : "Iâ??m sure you legal staff will agree .") The tone is a bit friendly for my taste, I like a bit less "familiarity" with my letters, but that is ok, that is your style and just a nit picky point... I do like the short sweet direct approach which you seem to have here. All in all, it is basically ok, and I think you have all the necessary points for first round validation. -Peace, Dave