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Can we get a sticky for what does and does not constitute proper debt validation under FDCPA?

It seems like there are a lot of posts like "They sent a spreadsheet showing my account.  Is that validation?"  It seems to me a lot of those post could be addressed with a bare minimum of "It must include:





With notes on each one as to what DCs will attempt to substitute for the required elements and whether or not they pass the legal minimum.

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This might be difficult to do because the federal courts are not united in regard to what constitutes validation.  They have stated that, at a minimum, the name of the creditor and the amount of the debt must be provided, but they don't necessarily agree on how that name and amount must be presented.


The 6th Circuit Court of Appeals has ruled that a computer printout is proper validation if it contains other information such as charges for services that were rendered.

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