RE: Acct # [account number]
TO: Whom It May Concern:
I am writing regarding the unpaid debt on account # [account number], which I dispute.
According to the Fair Debt Collection Practices Act, I am requesting "validation," or competent evidence that bears my signature and shows I have some contractual obligation to pay you.
Please be aware that any negative mark on my ChexSystems report for a debt I don't owe is in violation of the Fair Credit Reporting Act (FCRA). Therefore, if you cannot validate the debt, you must request that all credit reporting agencies that you have reported to delete the entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no action that might damage my credit reports.
If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory marks from my ChexSystems, and Credit reports per the FCRA and send me confirmation that you have done so.
Please note that if you fail to respond within 30 days of receipt of this certified letter, I am prepared to take legal action against your company for causes of action including, but not limited to, defamation, fraud and violations under the Fair Credit Reporting Act.
By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims. This is my attempt to correct your records. Please be aware that any information I receive from you will be collected as evidence should any further action be necessary.
Your full name signed here Your printed full name here