Suing a Collection Agency Sample Letter
Use this sample letter to notify a collection agency you are suing them.
The following is a sample letter informing a collection agency you are planning to file suit against them. If you don't get a response to your previously sent debt validation letter, send this letter out to them. Add in specifics of what's been going on - describe what they're doing that's wrong, and WHAT YOU want them TO DO. Spell it out clear and simple.
City, State Zip
Collection Agency Address
City, State Zip
RE: Account #xxxx-xxxx-xxxx
To Whom it May Concern,
Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated (including but not limited to) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to: Equifax, Experian, and Trans Union.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
I am now demanding the immediate and complete removal of this trade line from my credit reports (Equifax, Experian, and Trans Union).
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by xxx, I will take any and all necessary steps to protect my rights.
Thank you in advance for your attention to this matter.