Saturday, October 01, 2005
Dispute Letter (Sample)
Dear Sir/Madam:
I dispute the validity of the debt referenced by your agency as account #xxxxx
.This is a formal request to receive verification of the debt, per my rights
under the Fair Debt Collection Practices Act. Additionally, I hereby request
that you send me the name and address of the original creditor, if it is
different from the current creditor. Please be advised that you are required
by law to notify all Consumer Reporting Agencies to whom you have reported
this debt that this debt is disputed.
Under FTC guidelines, I'm invoking my right NOT to EVER be contacted by phone
again regarding this matter. You may send me something in mail, but can never
telephone me again.
Sincerely,
xxxx
Under the Federal Debt Collection Practices Act, you are allowed to challenge
the validity of a debt that a collection agency states you owe to them. Use
this letter and the following form to make the agency verify that the debt is
actually yours and owed by you. Keep a copy for your files and send the letter
registered mail.
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on
September 30, 2002). 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 “verification” 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.
Please provide me with the following:
# What the money you say I owe is for;
# Explain and show me how you calculated what you say I owe;
# Provide me with copies of any papers that show I agreed to pay what you say
I owe;
# Provide a verification or copy of any judgment if applicable;
# Identify the original creditor;
# Prove the Statute of Limitations has not expired on this account
# Show me that you are licensed to collect in my state
# Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported
invalidated information to any of the 3 major Credit Bureau’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 for the following:
* Violation of the Fair Credit Reporting Act
* Violation of the Fair Debt Collection Practices Act
* 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 or verifying an
account as accurate when in fact there is no provided proof that it is.
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.
I would also like to request, in writing, that no telephone contact be made by
your offices to my home or to my place of employment. If your offices attempt
telephone communication with me, including but not limited to computer
generated calls and calls or correspondence sent to or with any third parties,
it will be considered harassment and I will have no choice but to file suit.
All future communications with me MUST be done in writing and sent to the
address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I
am forced to take legal action. This is an attempt to correct your records,
any information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Name
I dispute the validity of the debt referenced by your agency as account #xxxxx
.This is a formal request to receive verification of the debt, per my rights
under the Fair Debt Collection Practices Act. Additionally, I hereby request
that you send me the name and address of the original creditor, if it is
different from the current creditor. Please be advised that you are required
by law to notify all Consumer Reporting Agencies to whom you have reported
this debt that this debt is disputed.
Under FTC guidelines, I'm invoking my right NOT to EVER be contacted by phone
again regarding this matter. You may send me something in mail, but can never
telephone me again.
Sincerely,
xxxx
Under the Federal Debt Collection Practices Act, you are allowed to challenge
the validity of a debt that a collection agency states you owe to them. Use
this letter and the following form to make the agency verify that the debt is
actually yours and owed by you. Keep a copy for your files and send the letter
registered mail.
Your Name
123 Your Street Address
Your City, ST 01234
ABC Collections
123 NotOnYourLife Ave
Chicago, IL
Date:
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is being sent to you in response to a notice sent to me on
September 30, 2002). 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 “verification” 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.
Please provide me with the following:
# What the money you say I owe is for;
# Explain and show me how you calculated what you say I owe;
# Provide me with copies of any papers that show I agreed to pay what you say
I owe;
# Provide a verification or copy of any judgment if applicable;
# Identify the original creditor;
# Prove the Statute of Limitations has not expired on this account
# Show me that you are licensed to collect in my state
# Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported
invalidated information to any of the 3 major Credit Bureau’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 for the following:
* Violation of the Fair Credit Reporting Act
* Violation of the Fair Debt Collection Practices Act
* 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 or verifying an
account as accurate when in fact there is no provided proof that it is.
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.
I would also like to request, in writing, that no telephone contact be made by
your offices to my home or to my place of employment. If your offices attempt
telephone communication with me, including but not limited to computer
generated calls and calls or correspondence sent to or with any third parties,
it will be considered harassment and I will have no choice but to file suit.
All future communications with me MUST be done in writing and sent to the
address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I
am forced to take legal action. This is an attempt to correct your records,
any information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Name
