Debt Validation Letter

NOTICE: DISPUTED DEBT - VALIDATION REQUIRED

Dear Debt Collector:

I received your [letter/phone call/notice] dated [DATE OF THEIR CONTACT] regarding the above-referenced alleged debt. This letter is sent within 30 days of that initial communication.

I DISPUTE THIS ALLEGED DEBT IN ITS ENTIRETY AND REQUEST VALIDATION.

Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, I am exercising my right to dispute this debt and request that you provide validation of this alleged obligation.

CEASE AND DESIST ALL COLLECTION ACTIVITY

Under 15 U.S.C. § 1692g(b), you must cease all collection activity until you have provided proper validation of this debt. Any continued collection activity before providing validation is a violation of federal law.

I DEMAND THE FOLLOWING VALIDATION:

1. Proof of the Original Debt:

• The original contract or agreement bearing my signature
• If claiming this is a credit card debt, the original signed application AND cardholder agreement in effect at the time
• If claiming this is a loan, the original promissory note with my signature
• Documentation of the exact origin and nature of the alleged debt

2. Complete Account Documentation:

• Full accounting of the amount claimed, including principal, interest, fees, and charges
• Itemization showing how the current amount was calculated from the original amount
• Complete payment history if any payments were made
• Date of last payment and how it was applied
• Explanation of all interest rates and how they were applied

3. Proof of Your Authority to Collect:

• Proof that you are licensed to collect debts in [YOUR STATE]
• Your state license number and registration
• Proof of assignment from the original creditor specifically naming me and this account
• Complete chain of title/ownership from original creditor to you
• Agreement that grants you authority to collect on behalf of the creditor

4. Original Creditor Information:

• Name and address of the original creditor
• Name and address of any intermediate purchasers/assignees
• Proof that the original creditor charged off this debt
• Date of charge-off and amount at that time

5. Consideration and Money Trail:

• Proof that the original creditor provided actual consideration
• Documentation showing the source of funds for any alleged loan
• Evidence of actual monetary loss by the original creditor
• Proof that value was actually exchanged (not just bookkeeping entries)
• If claiming purchased debt, proof of what you paid for it

6. Legal Standing Documentation:

• Proof that the debt is legally enforceable
• Evidence that the statute of limitations has not expired
• For mortgages: proof of standing to collect (possession of original note)
• Documentation that the debt was not discharged in bankruptcy

CRITICAL LEGAL NOTICES:

Statute of Limitations: Be advised that this debt may be beyond the statute of limitations for legal action in my state. Any attempt to collect a time-barred debt through litigation would be a violation of the FDCPA.

Promissory Note as Payment: If this involves a promissory note, be advised that under current monetary law, promissory notes themselves constitute payment, as Federal Reserve Notes are evidence of promissory notes. Any claim must prove additional consideration was provided beyond accepting my promissory note.

No Admission: This validation request is not an admission that I owe this debt, that you have any right to collect it, or that it is valid. I reserve all rights and defenses.

YOUR LEGAL OBLIGATIONS UNDER FDCPA:

1. You must cease all collection activity immediately until validation is provided (15 U.S.C. § 1692g(b))
2. You may not contact third parties about this alleged debt (15 U.S.C. § 1692c(b))
3. You may not report to credit bureaus without noting the debt is disputed (15 U.S.C. § 1692e(8))
4. You may not misrepresent the character, amount, or legal status of the debt (15 U.S.C. § 1692e)
5. You may not use unfair practices to collect (15 U.S.C. § 1692f)

WARNING - FDCPA VIOLATIONS:

Any of the following actions before providing validation will constitute FDCPA violations subject to $1,000 statutory damages per violation plus actual damages and attorney fees:

• Continuing to call or write demanding payment
• Filing a lawsuit
• Reporting to credit bureaus without noting dispute
• Contacting my employer, family, or references
• Making any representation that this is a valid debt

ADDITIONAL DEMANDS:

1. Do not contact me by telephone. All communications must be in writing sent to the address above. Any phone contact will be considered harassment under 15 U.S.C. § 1692d.
2. Do not contact my employer, family members, or any third parties regarding this disputed debt.
3. If you report to credit bureaus, you must report this debt as "Disputed" or face violations under 15 U.S.C. § 1692e(8).
4. If you cannot validate this debt, you must:
   • Cease all collection efforts permanently
   • Remove any credit reporting immediately
   • Send written confirmation that collection has ceased
   • Send written confirmation that any credit reporting has been withdrawn

FAILURE TO VALIDATE:

If you cannot provide ALL of the validation requested above, the presumption is that this debt is invalid, you have no legal right to collect it, and continued attempts to collect would be fraudulent.

Providing only a computer printout, summary, or bill without the underlying documentation demanded above does not constitute validation. I require actual documents, not created summaries.

PRESERVATION OF RIGHTS:

I reserve all rights under federal and state law, including the right to:

• Sue for FDCPA violations ($1,000 per violation plus actual damages)
• File complaints with the Consumer Financial Protection Bureau
• File complaints with my state Attorney General
• Report violations to the FTC
• Seek damages for defamation if false information is reported
• Pursue claims for intentional infliction of emotional distress
• Assert all defenses including lack of consideration and fraudulent debt creation

Please govern yourself accordingly.

Sincerely,

_________________________________
[YOUR PRINTED NAME]

Date: [DATE]

DO NOT SIGN ANYTHING ELSE OR ACKNOWLEDGE THE DEBT

cc:
Consumer Financial Protection Bureau
Federal Trade Commission
[Your State] Attorney General
[Your State] Department of Banking
[Your Attorney - if applicable]