[B]What is BEST?A simple Validation letter or detail one?[/B]

[iq180]

Here are two letters that I came across and there seems to be mixed reactions to both, I need your input so that I may send the correct letters out. Also since I am sending these letter out should I have my new address on them or should I get a mail box at the post office or postal annex? here are the two letters (THANK YOU):

Letter #1

Your Name

123 Your Street Address

Your City, ST 01234

ABC Collections

123 NotOnYourLife Ave

Chicago, IL

Date:

Re: Acct # XXXX-XXXX-XXXX-XXXX

To Whom It May Concern:

This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

• What the money you say I owe is for;

• Explain and show me how you calculated what you say I owe;

• Provide me with copies of any papers that show I agreed to pay what you say I owe;

• Provide a verification or copy of any judgment if applicable;

• Identify the original creditor;

• Prove the Statute of Limitations has not expired on this account

• Show me that you are licensed to collect in my state

• Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

• Violation of the Fair Credit Reporting Act

• Violation of the Fair Debt Collection Practices Act

• Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Best Regards,

Your Signature

Your Name

Letter #2

<Name>

<Address>

<Collection Agency>

<Collection Agency Address>

<Date>

Re: Acct XXX-XX-XXXXX

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Sincerely,

<Name>

[nascar]

Well, since letter #1 has absolutely no basis in law, your choice is #2.

The internet, including this site, is full of nonsense like letter #1. Pure idiocy originated by certain people who have no idea what they are talking about and kept alive by people who know even less.

[Recovering Attorney]

go with either, just don't expect much form numero uno. It makes people feel better is all.

Whichever you choose, I'd do two things. IN the reference line, in bold, I'd write DISPUTE PER FDCPA/FCRA

And in the body, I'd be more explicit about your dispute. Never had the creditor, wronga amount, etc

Send it certified mail so you can track it. Use the green card or not, depending on your preference.

[razr]

Doesn't matter what letter you use. Like RA said, just make sure you include specifically what you are disputing and that your request is pursuant to the FDCPA.

-r

[NewLife4Me]

Well, since letter #1 has absolutely no basis in law, your choice is #2.

The internet, including this site, is full of nonsense like letter #1. Pure idiocy originated by certain people who have no idea what they are talking about and kept alive by people who know even less.

Letters like #1 works and are good. It lets the CA know that your not going to settle for just anything