Debt Dispute Letter To Collection Agency. A letter requesting validation of the debt should be sent to the creditor or the collection agency, if they claim that you owe the debt, either by sending a collection letter or by reporting the debt on your credit report. If the debt collector does not send you proof of the debt, any future collection efforts are in violation of the fair debt collection practices act.
This debt validation letter outlines the following: The letter below is a sample debt validation letter. If a debt collection agency tells you that you can’t or that your time is up to dispute the debt, that is untrue.
You can use this sample dispute letter (pdf) as a model.
The notice should disclose the correct address to which you should send your letter disputing the validity of the debt. Initial debt collection dispute letter today’s date your name your address collector’s name collector’s address dear {insert name of collector or company}, i am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because i do not believe i owe what you say i owe. Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner. 7.14.3 if you do not stop collection activity whilst investigating my dispute, you are breaking fca rules and guidance. Debt validation is the debtor's right to ask for validation of a debt a creditor claims he owes.