I cribbed it from a sample, but edited it. I wonder if I covered all the bases.
April 30, 2012
123 Your Street Address
Your City, ST 01234
123 NotOnYourLife Ave
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
This letter is in response to a trade line your agency has reported on my current Equifax, TransUnion and Experian credit reports. 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 of my legal obligation to pay you.
Please provide me with the following:
What the amount you state that I owe is for;
Explain how calculated the amount I allegedly owe;
Provide me with copies of any papers that show I agreed to pay the debt in question;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Verify 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 Bureauís (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 consider my legal options under:
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, I ask you to cease all action which could be detrimental to any of my credit reports. This includes any listing of information to a credit reporting repository that may be inaccurate or invalidated or verifying an account as accurate without competent proof.
If your office fails 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 also request that you not contact me by phone either at home or on my cellular number. 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. All future communications with me should be done in writing and sent to the address noted in this letter by USPS.
This is an attempt to correct your records, any information obtained shall be used for that purpose.