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Credit Contest Letter

This letter is a debt validation request sent pursuant to the Fair Debt Collection Practices Act. The letter requests validation and documentation of an alleged debt that is listed on the recipient's credit report. It disputes the debt and requests evidence showing the recipient agreed to pay and proving the statute of limitations has not expired. It warns that legal action may be taken for violations of fair credit reporting or debt collection laws, defamation, or detrimental credit reporting during the 30 day validation period. The letter also requests no telephone contact regarding the debt.

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290 views3 pages

Credit Contest Letter

This letter is a debt validation request sent pursuant to the Fair Debt Collection Practices Act. The letter requests validation and documentation of an alleged debt that is listed on the recipient's credit report. It disputes the debt and requests evidence showing the recipient agreed to pay and proving the statute of limitations has not expired. It warns that legal action may be taken for violations of fair credit reporting or debt collection laws, defamation, or detrimental credit reporting during the 30 day validation period. The letter also requests no telephone contact regarding the debt.

Uploaded by

nagelmarc
Copyright
© Attribution Non-Commercial (BY-NC)
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOC, PDF, TXT or read online on Scribd
You are on page 1/ 3

Joe Blow

aDDRESS

pORTLAND OR 88887

KCA Financial Services

628 North Street

Geneva, IL 60134

RE: Account# 7777777

To Whom It May Concern:

This letter is being sent to you in response to an account that is listed on my credit
report. 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 that I have any legal
obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agreed to pay what you say I owe;

Provide a verification or copy of any judgment if applicable;

Identify the original creditor;

Prove the Statute of Limitations has not expired on this account


Show me 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 Bureau’s (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 not hesitate in bringing legal action against
you for the following:

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, if any action is taken which could be considered
detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes any listing any information to a credit reporting repository that could
be inaccurate or invalidated or verifying an account as accurate when in fact there
is no provided proof that it is.

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.

I have included an FTC ID Theft Fraud Affidavit that is notarized confirming that I
have no knowledge of this debt.

I would also like to request, in writing, that no telephone contact be made by your
offices to my home or to my place of employment. 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 and I will have no choice but to file suit. All future communications with
me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am
forced to take legal action. This is an attempt to correct your records, any
information obtained shall be used for that purpose.

Best Regards,

Joe Blow

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