Date: May 23, 2022
Your Address
Their Address
Re:
To Whom It May Concern,
This letter is sent in response to a letter I received from you on May
20, 2022 regarding an alleged debt. This is not a refusal to pay, but
rather a notice that your claim is disputed. I am requesting that you
provide validation of this debt.
Please send the following information:
The name and address of the original creditor, the account number, and
the amount owed.
Complete account and payment history, including the agreement that
bears the signature of the alleged debtor wherein they agreed to pay
the original creditor.
Details about the age and amount of the debt including a copy of the
last billing statement from the original creditor; a detailed
explanation of any interest added or payments made since the last
billing statement and the legal authorization for this interest; the
date the original creditor claims this debt became delinquent.
Please also note whether this debt is within the statute of limitations
and how that was determined.
Please also forward details about your authority to collect this debt:
documentation that shows you own the debt, including a letter or sale
of assignment from the original creditor to your company (the agreement
with your client which grants you the authority to collect on this
alleged debt), whether you are licensed in my state and if so provide
the date of the license, name on the license, license number, and the
license number, and the name, address and telephone number of the state
agency issuing the license. If you are contacting me from outside my
state, provide the licensing information from your state as well.
Furthermore, I request that you cease and desist any future telephone
communication with me. Do not contact me unless to validate this debt
as per the requested information.
Sincerely,
Your Name