Bill Collection

Street Number

City Address, Postal Code

The Collection Agency’s Name

Agency’s Street Address

City, State

Date:

Re: Account # XXXX-XXXX-XXXX

To Whom It May Concern:

This is a response to the collection notice you sent me last (Date). This does not indicate a refusal to pay, but merely a notice sent pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This letter is also not a request for verification but a request for VALIDATION made pursuant to the above named Title and Section. Thus, I am respectfully requesting your office to provide sufficient and legitimate evidence to say that I have some legal obligation to pay you.

Please provide the following information:

-the nature of the money owed;

-explanation and calculations used for the alleged money owed;

- copies of documents that indicate that I agreed to the payment of the alleged money owed;

-verification or copy of any judgment if applicable;

-identity of the original creditor;

-the Stature of Limitation of the alleged money owed;

-license or other state requirements to show that your office can collect bills in this state;

-the license number and Registered Agent,

At this point, I would also remind your good office that if you have reported false and invalidated information to any of the major Credit Bureaus (namely: Equifax, Experian or TransUnion) then such action constitute fraud under the Federal and State Laws. Moreover, if evidence revealed that there is a negative mark on any of my credit reports done by your company or the company you represent, I will not hesitate to take the necessary legal action against you for the following:

• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection
• Defamation of Character

In the circumstance that your office is able to provide the proper documentation, I request that I be given at least 30 days to look into this information, during which no collection activity may take place. On the other hand, if your office fail to respond to this validation request within 30 days, all references to this account must then be deleted and entirely removed in the credit file and the copy of deletion be sent to me.

Regards,

Your Name

Signature