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YOURFIRSTANDLASTNAME

YOURSTREETADDRESS
YOURCITY,STATE,ZIP
YOURPHONENUMBER
COLLECTORSNAME
COLLECTORSADDRESS
TODAYSDATE
Re:ACCOUNTNUMBER
ToWhomItMayConcern,
ThisletterisbeingsenttoyouinresponsetoyournoticedatedMONTHDATEYEARregarding
thecollectiononthedebtaccountreferencedabove.(Iattachedacopyofyournotice.)
IdonotbelieveIowethisdebt,andthereforedisputethisaccountpursuanttoFDCPA,15USC
1692gandmystateslaws.Irequestyoudisclosethefollowinginwriting:
Theamountofthedebt
Thenameofthecreditortowhomthedebtisowed
Thename,address,andaccountnumberoftheoriginalcreditor
Anydocumentationfromtheoriginalcreditorestablishingthedebtisvalid
AnexplanationofwhyyouortheoriginalcreditorsayIowethisdebt
Anexplanationofhowyouortheoriginalcreditorcalculatedthebalancedue
Irequestyourcompanyhaltanyattemptstocommunicatewithmeatmyplaceofemployment.
Irequestnoticeofanyspecificremediesforwhichyourcompany,theoriginalcreditor,orits
agentsintendtoinvoke,andthedatetheremedywillbeinvoked.
Ifyourcompanyfailstorespondtothisvalidationrequestwithin30daysfromthedateofyour
receipt,allreferencestothisaccountmustbedeletedandcompletelyremovedfrommycredit
file,andacopyofsuchdeletionrequestsenttomeimmediately.BeadvisedIkeepnotesofall
phonecalls,andanyviolationoftheFDCPAcanresultincivilpenaltiesplusattorneysfees.
Sincerely,
THISSPACEFORYOURHANDWRITTENSIGNATUREDELETETHISLINE
YOURFIRSTANDLASTNAMETYPEDHERE
Enclosure

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