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172 - Validation Letter #2 For Big Purchases
Use this document to escalate your validation with a creditor. Your efforts are minimal and it's time to really target the issue for lasting results. #Coach
RE:
Validation Request Letter of High Importance
To
Who It May Concern:
Be
advised this is not a refusal to pay, but a notice that your claim is being
disputed and validation is requested. Under the Fair Debt Collection Practices
Act (FDCPA), I have the right to request validation of the debt you say that I
owe you. I am requesting proof that I am in indeed the party you are asking to
pay this debt, and there is some contractual obligation that is binging on me
to pay this debt.
This
is NOT a request for “verification” or proof of my mailing address, but request
for VALIDATION made pursuant to 15 USC 1692g §809(a) of the FDCPA. I
respectfully request that your offices provide me with competent evidence that
I have any legal obligation to you.
At this I will also inform you that if
your offices have or continue to report invalidated information to any of the
three major credit bureaus (Equifax, Experian, and Transunion), this action
might constitute fraud under both federal and state laws. Due to this fact, if
any negative mark is found or continues to report on any of my credit reports
by your company or the company you represent, I will not hesitate in bringing legal action against you and
your client for the following: Violation of the Fair Debt Collection Practices Act 15 USC 1692g §809(b) and Defamation
of Character.
I am sure your legal staff will agree
that non-compliance with this request could put your company in serious legal trouble with the Federal
Trade Commission (FTC) and other state or federal agencies.
If your offices are able to provide
the proper documentation as requested in the following declaration, I will require 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
legal counsel for suit. This includes any listing of any information to a
credit-reporting repository that could be inaccurate or invalidated. 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.
It
would be advisable that you and your client assure that your records are in
order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION
Please provide the following:
• Agreement with your client that grants you the authority to
collect on this alleged debt.
• Agreement that bears the signature of the alleged debtor wherein
he/she agreed to pay the creditor.
• Any insurance claims been made by any creditor regarding this
account.
• Any judgments obtained by any creditor regarding this account.
• Name and address of alleged creditor.
• Name on file of alleged debtor.
• Alleged account number.
• Address on file for alleged debtor.
• Amount of alleged debt.
• Date this alleged debt became payable.
• Date of original charge off or delinquency.
• Verification that this debt was assigned or sold to collector.
• Complete accounting of alleged debt.
• Commission for debt collector if collection efforts are
successful.
Please provide the name and address of
the bonding agent for in case legal action becomes necessary. Your claim cannot
and WILL NOT be considered if any portion of the above is not completed and
returned with copies of all requested documents. This is a request for
validation made pursuant to the Fair Debt Collection Practices Act. Please
allow 30 days for processing after I receive this information back.
SSN# Last four digits: _______________________________________
