How to request creditor for debt verification
Debt validation works only with collection agencies and not the original creditor. The only way you can make your original creditor verify your debt is by telling him that you’ll sue his company for defamation if he cannot prove that you are actually late on payments or even that you are on the debt account. This is when you need to use debt verification letters. A sample debt verification letter (verification of debt letter) is given below.
Company Name
Company Address
Collector’s Name
Department
Collector’s Address
Date
Dear Sir/Madam,
Re: Account Number
This letter is to dispute the account referenced above. I have already disputed this information with the credit bureaus .
I have contacted you previously regarding this account, and you have not responded to me. If you cannot verify this information pursuant to the FCRA, and it continues to appear on…
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