Debt Validation Request to Original Creditor

Consumer Law Topic

You have a right to know all the information about you in the files of a consumer reporting agency. The Federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (like agencies that sell information about check writing histories, medical records, and rental history records).

This sample letter provides a written statement to the original creditor requesting to validate the debt they claim you owe. You can change this letter to meet your situation if you need to include more information. Make sure that the letter has your correct name, account number, and address. Keep a copy of this letter for your records. Send the original letter by certified mail, return receipt requested from the Post Office. This will give you proof that you sent the letter.

The sample letter in this packet is not based on any specific state law or jurisdiction. It is based in federal law, so there may be additional state protections. 


Below is a link to an interactive packet to produce a PDF letter to the original creditor

Interactive Packet Debt Validation Request to Original Creditor

If this form packet resource is not functioning properly, follow the link to the fill-in PDF form

Debt Validation Request to Original Creditor Fill-in PDF Form