[Your Name]
[Your Address]
[City, State, ZIP Code]
[Debt Collector’s Name]
[Debt Collector’s Address]
[City, State, ZIP Code]
[Date]
Subject: Debt Validation Request
Dear [Debt Collector’s Name],
I hope this message finds you well. I’m reaching out to request that you verify the debt mentioned in your correspondence dated [insert date]. Under the Fair Debt Collection Practices Act (FDCPA), I’m entitled to request written confirmation and details concerning this debt.
Could you kindly provide me with the following information:
1. Proof of my obligation, including the name and contact details of the original creditor.
2. A detailed account of the total amount owed, itemized to show principal, interest, fees, and any other charges.
3. Evidence that your agency is legally authorized to collect this debt from me.
Please hold off on any further communication about this case until I’ve received the requested documentation. It’s important to emphasize that this does not mean I’m acknowledging responsibility for the debt.
Thank you for your prompt attention to this request.
Sincerely,
[Your Full Name]
