[[Date]]

[[Collection Agency Name]]

[[Address]]
[[City, State, Zip]]
Re: [[Creditor Name – Account #]]:

To Whom It May Concern:

Please be advised that I have received your correspondence dated ________________. This is not a
refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the
FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter
of days.

Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send
valid proof of this debt and a printout of records is not valid. See FTC.gov “staff attorney opinion” findings
for details. Please don’t send back a print out. The proof requested is as follows:

 Date you purchased debt

 Amount you paid for said debt

 Original Date of Charge Off

 Date of last payment/activity if any

 Creditors full name and address

 All records pertaining to actual debt to prove validity.

If you cannot produce such proof after I have put you on notice then I reserve the right to file a suit
against you for FDCPA violations in my court’s venue. You will have to travel to defend yourself in that
scenario.

Please also be advised that this request is an official validation of debt request and not a ‘verification of
address” request. Proper proof of said debt is required. Please understand as well that under the FCRA
any “furnisher of information” must put the account rating on hold while the debt is being investigated.
Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages
collected from you.

Awaiting your reply in a timely manner.

Sincerely,

[[Your Name]]
[[Your Address]]
[[Your SS#]]
[[Your DOB]]