CA Address City, State & Zip Date Re: Account #123456789 To Whom It May Concern: This letter is being sent to you in response to a notice sent to me on (07/17/02). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested. This is NOT a request for â??verificationâ? or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureauâ??s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following: â?¢ Violation of the Fair Credit Reporting Act â?¢ Violation of the Fair Debt Collection Practices Act â?¢ Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.. Best Regards Your Name CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. Name and Address of Alleged Creditor:__________________________________________________________ Name on File of Alleged Debtor: _______________________________________________________________ Alleged Account #: ________________________________________________________________ Address on File for Alleged Debtor: ____________________________________________________________ Amount of alleged debt: _____________________________________________________________ Date that this alleged debt became payable: _____________________________________________________ Date of original charge off or delinquency:___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased: ___________________________________________________________ Commission for debt collector if collection efforts are successful: ____________________________________ â?¢ Please attach a copy of the agreement with your client that grants (Collection Agency Name) the authority to collect this alleged debt. â?¢ Please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. â?¢ Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. â?¢ Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES NO Have any judgments been obtained by any creditor regarding this account? YES NO Please provide the name and address of the bonding agent for (Name Of Debt Collector), in case legal action becomes necessary: ________________________________________________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date
I got a letter from a CA the very first line reads this "Our office has received a credit inquiry concerning your personal credit record, and the above mentioned past due amount" I did an online verification disputing through EQ and EP that this wasn't mine.. I am assuming that this letter is a result of that online dispute... am I correct? I am going to go ahaed and repsond to this letter with a Validation letter
Good grief I am freaking out... hahahaha I have prepared all of my drafts (disputes) and Will be sending out 5 Validations letters to 5 different creditors....
Validation DEMANDS don't go to creditors. OC's have no obligation to address your FDCPA demands. Take your time.
