Credit Card Protection
So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.
The theory of this debt validation format is that when all else fails, you can still sometimes accomplish your goals by simply convincing the creditor that you are more of a pain to deal with than it is worth.
Validation by Creditor To Verify Debt
Date
Creditor Name
Address
City, STATE ZIP
To Whom It May Concern:
I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies by “NAME OF COLLECTION AGENCY” or “NAME OF ORIGINAL CREDITOR” for me, YOUR NAME, for account number XXXXXXXXX.
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.
I have enclosed two documents which will verify my address: a photocopy of a [YOUR STATE] Driver’s License and a photocopy of a recent [NAME OF UTILITY OR TELEPHONE COMPANY] statement.
Please know that you have 30-days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.
I look forward to a timely and amicable resolution to this matter.
Sincerely yours,
Your Name
Address
City, STATE ZIP