Debt Validation Dispute Letter
This DEBT VALIDATION DISPUTE LETTER is a written request to the credit agencies to provide proof of the validity of a debt they are reporting. Under the Fair Credit Reporting Act (FCRA) and USC 1692, consumers have the right to dispute any inaccurate or incomplete information in their credit report, including debts that they do not believe are legitimate.
By sending a debt validation dispute letter, consumers can challenge the debt collector to provide evidence that the debt is valid and belongs to them. If the debt collector is unable to provide sufficient proof, they must stop collection efforts and remove the debt from the consumer's credit report.
This letter also reminds the creditr of their obligation under the FCRA to ensure the accuracy and completeness of the information in the credit report. The letter should be sent by certified mail and a copy should be kept for the sender's records.