 TITLE: Debt Validation Letter to Send to Credit Bureau CONTENT: Validate Debt Letter — Send to Credit Bureaus\n---------------------------------------------\n###### Written by: Kristy Welsh\nDebt validation letter sent to credit bureaus if collection agency fails to validate debt.\n------------------------------------------------------------------------------------------\nAssuming you have contacted the collection agency using our debt validation methods, and they have failed to send you adequate proof of your legal obligation to pay a debt, this is the letter you need to write to the credit bureaus.\nThis letter is part of our information on debt validation. We have other sample letters to handle a variety of credit situations. Here is the list.\n* * *\nDate\nYour Name  \nYour Address\nCredit Bureau  \nBureau Address\nRE: Account XXXXX-XXXX-XXXXX\nTo Whom it May Concern,\nI am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.\nI enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.\nThe FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.\nIn the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.\nWhile I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.\nI look forward to an uneventful resolution of this matter.\nSincerely,\n_Your Signature_  \nenclosures\n* * * END