Sample "Debt Validation Letter to Credit Bureaus"

A Debt Validation Letter to Credit Bureaus is a formal statement prepared by the debtor or their representative with the intention to find out whether the debt is real, request information about the existing debt, and warn the credit bureau that handles the debt to cease their harassing behavior if necessary. Before you pay any money to the organization that notifies you about the debt, it is highly recommended to obtain more details about the debt to make sure your rights and interests are protected.

You can download a Sample Debt Validation Letter to Credit Bureaus through the link below. It is recommended to contact the debt collector as soon as you learn about the debt or once they reach out to you or people you know to request the payment. To draft a proper letter, you should ask the credit bureau to send you the name of the original creditor, the documentation that verifies your financial responsibilities, and the verification of the debt collector's identity. Add your contact information to facilitate further dialogue and submit the letter in person or via certified mail to get the receipt as proof of delivery.


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Sample Debt Validation Letter to Credit Bureaus
From: ​ G avin Morgan
9291 Main Road
Lake Charles, Maine 11292
[​
D ate​
]
To: ​ J onathan Jackson
9184 Main Avenue
Lake Charles, Maine 11481
To Whom It May Concern,
I, Gavin Morgan, have received information regarding a debt that is being claimed
against me. Through my rights, in accordance with 15 U.S. Code § 1692g, I hold the
right to verify the total debt amount, including any fees, and who the original party
making the claim is. After receiving such information I will review and respond
within the 30-day period allotted to me under federal law.
If it is found that there is no evidence of this debt under my name then I demand that
all credit bureaus and financial institutions be made aware or a complaint will be filed
to the respective local or federal agency.
Furthermore, I request that you cease and desist any future telephone communication,
whether through my residential or employment numbers. I am aware of the request for
payment by your company and any further telephone communication shall be
considered harassment in violation of 15 U.S. Code § 1692d and shall be subject to
State and Federal penalties.
I appreciate your efforts in this matter and look forward to your response.
Regards,
Gavin Morgan
[​
S ignature​
]
©​ ​ ​ ​
T EMPLATEROLLER.COM​
Sample Debt Validation Letter to Credit Bureaus
From: ​ G avin Morgan
9291 Main Road
Lake Charles, Maine 11292
[​
D ate​
]
To: ​ J onathan Jackson
9184 Main Avenue
Lake Charles, Maine 11481
To Whom It May Concern,
I, Gavin Morgan, have received information regarding a debt that is being claimed
against me. Through my rights, in accordance with 15 U.S. Code § 1692g, I hold the
right to verify the total debt amount, including any fees, and who the original party
making the claim is. After receiving such information I will review and respond
within the 30-day period allotted to me under federal law.
If it is found that there is no evidence of this debt under my name then I demand that
all credit bureaus and financial institutions be made aware or a complaint will be filed
to the respective local or federal agency.
Furthermore, I request that you cease and desist any future telephone communication,
whether through my residential or employment numbers. I am aware of the request for
payment by your company and any further telephone communication shall be
considered harassment in violation of 15 U.S. Code § 1692d and shall be subject to
State and Federal penalties.
I appreciate your efforts in this matter and look forward to your response.
Regards,
Gavin Morgan
[​
S ignature​
]
©​ ​ ​ ​
T EMPLATEROLLER.COM​