Sample debt validation follow-up letter

Submitted by CMBV22 on Mon, 06/02/2008 - 09:04
Forums
Credit repair

A Debt Validation Follow-up Letter is sent to the collection agency when they fail to respond to your debt validation request. It is a way to remind the debt collector of your initial validation request. You can use this letter only if you had previously sent a debt validation letter to the collection agency. This letter can also help you get rid of the item if not validated.

Sample Debt Validation Follow-up Letter

Your Name __________
Your Address __________
Your Phone # __________

Collection agency's Name _______________
Department _______________
Collection agency's Address _______________
Date __________

Dear Sir/Madam,

Re: Account Number_______________

This letter is to inform you that I had mailed you a debt validation letter and it been ___days (mention the days) since my request for the documentation of this account. According to Fair Debt Collection Practices Act (FDCPA), I have the right to seek validation of this debt and you are required to provide me the documentation of this debt. However, unfortunately enough I have not received any reply and documentation except the confirmation that you did receive my validation request.

I have also received verification on this account from the credit bureaus and this account has been listed on my credit report. But, according to Federal Trade Commission (FTC), reporting a collection account is a collection activity. So, you are now in violation of FDCPA and subject to a fine of $1,000 as you have not validated the debt till now. I can collect the fine by filing a lawsuit against you in the small claims court. I do intend to follow up with this if I fail to receive a reply from you within 15 business days.

If you can't provide documentation of this debt, you should request the credit bureaus to remove this item from my credit report and update my report accordingly. Otherwise I will have to file complaints with the FTC. State's Attorney General and the Office of Consumer Affairs.

Looking forward to hearing from you.

Sincerely,

Your Signature ________________

Your Name ________________

scott

Hi CMBV22
Thanks for posting this wonderful letter. It is a very good contribution and I hope this will be of great help for others in the forum.

Mon, 06/02/2008 - 09:24 Permalink
August

I need a letter like this right now, I have found a few good examples in the debt forum also, I will customize it to my own information and send it out, thanks for putting an easy to follow example here. appreciate it.

Tue, 06/03/2008 - 01:43 Permalink
fireyone

With some research, editing and sample letters from the forum you should be sure to find one that fits your needs. Good luck,

Wed, 06/04/2008 - 00:18 Permalink
sdchargers_63

I JUST got a chance to look at this letter. WOW!! Really 'to the point' and I know it will help me.

Sun, 06/15/2008 - 13:47 Permalink
goodnatured

There are some really good examples on here and the other forums as well.

Mon, 06/16/2008 - 03:13 Permalink
anthony

Hi CMBV
This is really a wonderful posting. Hope that somebody would make the letter sticky, so that it always appear at the top.

Mon, 06/16/2008 - 07:02 Permalink
sdchargers_63

If a CA doesn't respond to a Validation letter, with in a certain amount of time, can you gt the account deleted from your CR? Of course..sending a letter to the CB's, stating this fact?

Mon, 06/16/2008 - 09:38 Permalink
CMBV22

sdchargers_63

I am having quite a bit of fun with Experian over that very fact. I have sent this one credit solutions corp a letter every 30 days since march 8th. They havent responded once but, they have signed for each letter. I disputed the listsing w/ the CRAs since it was unvalidated. So, TUC & EQF remove it but experian says they verified it. So, I sent them a MOV letter and here I wait. If they dont respond to that I guess I will be calling the FTC and AG

Thu, 06/19/2008 - 01:10 Permalink
goodnatured

Isn't it funny how one can say that they verified, while the other two did not and how much more will the two of them are to work with you, but equifax won't. crazy huh.

keep us updated. Have you posted a sample of what you sent them? I would be curious to see what actually works with them?

Thu, 06/26/2008 - 05:12 Permalink
erb1953

Powerful letter, I would definately consider using this one.

Thu, 07/17/2008 - 03:10 Permalink
fireyone

I think the whole thing is a crazy nightmare. How such companies can hold such a threat over someones head. I think they need to follow some rules and if something isn't validated in 30 days they should get it off the report instead of letting it linger there. If a company does validate can you have the proof sent to you so you can see for yourself or do you have to just take their word for it?

Thu, 07/17/2008 - 15:33 Permalink
Justin

Yes, I too think so fireyone. If the collection agency do not reply to your debt validation request within 30 days from the receipt of the letter, there is no need of sending a letter to them again. This is time consuming. Instead we can directly dispute the listing with the credit bureaus and get it removed from the credit report.

Fri, 07/18/2008 - 09:31 Permalink
fireyone

I hear disputing with the credit bureaus is sometimes hard to do too. If they don't respond shouldn't the bureau have no problem removing them?

Fri, 07/18/2008 - 12:38 Permalink
CMBV22

It's not that bad. In my experience Experian is the hardest to dispute with. Most of the time if the CRAs don't give you what you want with a disute a MOV request gets it.

Sat, 07/19/2008 - 06:29 Permalink
fireyone

Ok so what is a MOV? I have probaly heard of it but not enough to recognize the aar.

Sat, 07/19/2008 - 13:02 Permalink
fireyone

Everyone should get together and make a page on abbreviations. It would be something we could refer to.

Mon, 07/21/2008 - 00:47 Permalink
CMBV22

Method of Verification, The FCRA says that if a CRA claims to have validated a debt you have the rigt to request MOV or to have them send you the information they recieved within 15 days of your request. This is helpful since most times they dont validate properly and when called on it with a MOV request then usually delete the disputed listing

Mon, 07/21/2008 - 18:13 Permalink
fireyone

Thanks for clearing that up. It always makes sense once you see the answer.

Tue, 07/22/2008 - 00:55 Permalink
Optimist

Method of Verification, The FCRA says that if a CRA claims to have validated a debt you have the rigt to request MOV or to have them send you the information they recieved within 15 days of your request. This is helpful since most times they dont validate properly and when called on it with a MOV request then usually delete the disputed listing
-------------------------

So, would it be better to start with the MOV to validate your debt instead of the CA? Would you assume that if the Credit Bureaus cannot validate your debt neither would the CA?

Sat, 08/22/2009 - 06:42 Permalink
mrryanspace (not verified)

I'm a little confused.

If a collection agency doesn't respond to a signed debt validation letter, I was under the impression from reading the forum that meant the debt was to be removed from a credit history. Why does one need to send multiple DV letters to a CA, and why, for that matter, does one need to send this letter?

Thu, 10/08/2009 - 00:34 Permalink
Ruthie

Thankyou that was a very powerful letter. Legal and to the point. Is it ok if I use it? I have three different collection agency's trying to collect the same debt. And I don't even owe it. I sent it to all three credit bureaus and they said it is valid. So here I go again. How long can they keep trying? I have some that are 8 years old from a phone bill I never had with AT&T.

Sat, 10/17/2009 - 01:58 Permalink
foreverandever

I sent a DV Letter to Palisades Collection L.L.C. a few months back and was recieved a letter in return stating they were stopping collection activities while the debt is in "dispute". its been over 90 days and have heard nothing from them. Should i send a letter like this one to them and see what happens or should i wait? Any advice is welcomed!

Sun, 05/09/2010 - 19:59 Permalink
saalanghae

CMBV22 wrote

I am having quite a bit of fun with Experian over that very fact. I have sent this one credit solutions corp a letter every 30 days since march 8th. They havent responded once but, they have signed for each letter. I disputed the listsing w/ the CRAs since it was unvalidated. So, TUC & EQF remove it but experian says they verified it. So, I sent them a MOV letter and here I wait. If they dont respond to that I guess I will be calling the FTC and AG
_________________

I'm in the same situation with you and about to send a dispute letter to CRA. Do you happen to have a sample letter to CRA and maybe MOV letter to share, if you don't mind?

Thank you in advance

Wed, 08/25/2010 - 17:35 Permalink
Ruthie

I have sent a validation letter to a midland credit and collections on three different occassions, and I have also sent one to the credit bureaus as well. I have not recieved a response as of yet and the first one was about a year ago. I can't get an apt., or a job unless this is removed from my credit file. I have no idea who these people are or what this acct. is from, any suggestions? All my validations are by registered and certified mail . How do I get this removed, this is not my debt. Ruthie

Thu, 11/04/2010 - 13:59 Permalink
SimoneAngel

I received a notice saying if I didn't respond in writing by requesting validation of debt, the CC would assume debt was valid. I did send a request by certified letter well within the 30 day period.

This morning I received a letter saying " Your regularly scheduled payment is now due according to the terms you arranged with our office..."

I NEVER arranged anything with them. How do I respond to this?
Thanks!

Thu, 04/21/2011 - 20:42 Permalink
Garth (not verified)

I was just wondering if student loans could be requested for validation and if it would do any good?

Wed, 11/28/2012 - 07:04 Permalink
creditcard1

Very nice, You have explain it very nicely. Easy to understand.

Tue, 02/04/2014 - 04:35 Permalink
crorkz matz (not verified)

NC0P6s I cannot thank you enough for the article post.Thanks Again. Really Great.

Mon, 08/04/2014 - 23:37 Permalink
Michelle34 (not verified)

If i send the follow letter and not receive response, what can i do next.

Sat, 12/05/2015 - 15:48 Permalink
LaRaya (not verified)

Hi Carol,

After I send out the validation letters and then the follow up letters if the company fails to respond what do I next? Do I send something to the credit bureaus or try to get the company to remove it from my credit report?

Mon, 05/02/2016 - 21:19 Permalink
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Доступная для всех торговля бинарными опционами зачастую отталкивает людей, поскольку информация подаётся непонятно и скомкано. А как можно доверить свои деньги тому, чего не понял? Данная статья направлена как раз на то, чтобы понять, какие основные виды бинарных опционов существуют.

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Европейские – В отличие от бермудских опционов данные контракты погашаются строго в зафиксированные даты;

Американские – вариант для всех кто желает получить быструю прибыль. Инвестор может потребовать исполнить контракт в момент, когда его стоимость возрастёт.

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«Всё или ничего» – инвестор пытается угадать, возрастёт ли цена актива или же будет падать, соответственно, делая ставку на то или другое.

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