Debt Validation Letter

DEBT VALIDATION LETTER
March 25 2024
Rebecca Westry
4604 Forrestal St , Pensacola , Florida, 32506
Dear EXTRA,
This letter is being sent to you in response to a recent charge that was made on my credit report that I
do not recognize.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices
Act, 15 USC 1692g stating 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 your offices
provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of
the 3 major credit bureaus (Equifax, Experian or TransUnion) this action may 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 and your client for the following: Violation of the Fair Credit Reporting Act, Violation of the Fair
Debt Collection Practices Act, and 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, during which 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 of any information to a credit reporting repository that could be inaccurate or
invalidated.
If your office fails 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.
Sincerely,
Rebecca Westry
Page 1
CEASE AND DESIST
I would also like to request, in writing, that no further telephone contact be made by your offices to my
home or to my place of employment. If your offices continue to attempt telephone communication with
me 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.
It would be advisable that you and your client assure that your records are in order before I am forced
to take legal action.
Sincerely,
Rebecca Westry
Page 2
CREDITOR/DEBT COLLECTOR DECLARATION
Please provide all of the following information and submit the appropriate forms and paperwork within
30 days from the date of your receipt of this request for validation.
Name and Address of Alleged Creditor:
______________________________________________________________________
Name on File of Alleged Debtor:
______________________________________________________________________
Alleged Account #:
______________________________________________________________________
Address on File for Alleged Debtor:
______________________________________________________________________
Amount of Alleged Debt:
______________________________________________________________________
Date (that this alleged debt became payable):
______________________________________________________________________
Date of Original Charge or Delinquency:
______________________________________________________________________
Was this Debt assigned to a Debt Collector or Purchased?
☐ - Assigned ☐ - Purchased
Amount Paid if Debt was Purchased:
$________________
Commission for debt collector if collection efforts are successful:
______________________________________________________________________
Page 3
REQUESTED INFORMATION
Please attach copies of the following:
Agreement with your client that grants ___________________ (Collection Agency Name) the
authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or any other verifiable proof Debtor has a
contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
☐ Yes - ☐ No
Have any judgments been obtained by any creditor regarding this account?
☐ Yes - ☐ No
Please provide the name and address of the bonding agent for ___________________ (Name of Debt
Collector), in case legal action becomes necessary:
______________________________
______________________________
______________________________
Authorized Signature of Creditor: ______________________________
Date: _________________________
You must return this completed form along with copies of all requested information, assignments or
other transfer agreements, which would establish your right to collect this alleged debt within 30 days
from the date of your receipt of this letter.
Your claim cannot and WILL NOT be considered if any portion of this form is not completed and
returned with copies of all requested documents. This is a request for validation made pursuant to the
Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
Page 4

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DEBT VALIDATION LETTER

Name and Address of Alleged Creditor:

Name on File of Alleged Debtor:

Address on File for Alleged Debtor:

Amount of Alleged Debt:

Date (that this alleged debt became payable):

Date of Original Charge or Delinquency:

Was this Debt assigned to a Debt Collector or Purchased?

Amount Paid if Debt was Purchased:

Commission for debt collector if collection efforts are successful:

All statements while this account was open.

Authorized Signature of Creditor: ______________________________

Please allow 30 days for processing after I receive this information.

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