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In this letter, you should include: Your name and address. Collection agency's name and address. Acknowledgment of contact from a collection agency, including the date they contacted you. A statement saying you dispute the debt. Request for proof that the debt is valid and belongs to you.
How to Request Debt Verification. To request verification, send a letter to the collection agency stating that you dispute the validity of the debt and that you want documentation verifying the debt. Also, request the name and address of the original creditor.
To request debt validation, you must send a written request to the debt collector within 30 days of being contacted by the collection agency.
Your Right to a Validation of the Debt After receiving your request, the debt collector must provide you with information about the debt, including the amount owed and to whom it was owed. Collection activities must stop until they provide this information.
Debt Verification Applies to Debt Collectors The federal verification obligation doesn't apply when the creditor is trying to collect a debt from you. It applies to debt collectors and sometimes debt buyers.