“Verification of a debt involves nothing more than the debt collector confirming in writing that the amount being demanded is what the creditor is claiming as owed; the debt collector is not required to keep detailed files of the alleged debt. Consistent with the legislative history, verification is only intended to ‘eliminate the problem of debt collectors durning the wrong person or attempting to collect debts which the consumer has already paid’. There is no concomitant obligation to forward copies of bills or other detailed evidence of the debt”. So all the debt collection agency has to do is refer back to this case and even if they scribble on a piece of paper this is the amount that you owe and this is the company you owe it to that is good enough in the courts eyes. So the listing above as proper validation is not correct at least in Utah. Collection Agencies out here refer to that case and get away with sending just a blank piece of paper saying this is the amount that you owe and who you owe it to pay it, and the courts are okay with that. If there is something that I could use to prove that it is not valid validation of debt I would love to know it.