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Debt Validation Letter

When a collection agency has contacted you, you have 30 days to request that they validate the debt. Use this sample letter to make them prove it’s your debt.

[today’s date]

[original creditor or name of collection agency if account was sold]

[creditor address] RE: [account ex: Citibank Mastercard] account # [full account number]

(if contacting a collection agency include the original acc. number, i.e., the Mastercard number in this case, and also include any acc. number assigned by the collection agency –this number would be on one of your collection letters)

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by [name of collection agency or original creditor] for me, [your name], for account number XXXXXXXXX.

Due to possible inaccuracies in these credit reporting agency 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.

Please know that you have 30 days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from the credit reporting agency reports.

Sincerely yours,

Your Name
Address City, STATE ZIP


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