[Your Full Name]
[Your Street Address]
[City, State ZIP]
[Date]

[Collection Agency Name]
[Collection Agency Address]

Re: Debt Validation Request — Account [Reference Number]

To Whom It May Concern:

This letter is sent in response to a notice I received from you on
[Date]. This is NOT a refusal to pay, but a notice that your claim
is disputed and validation is requested.

Under the Fair Debt Collection Practices Act (15 U.S.C. § 1692g),
I have the right to request validation of this debt. Please provide
me with the following within 30 days:

 1. Proof that you own this debt or have been assigned the right to
    collect it.
 2. The name and address of the original creditor.
 3. A complete account history including the original signed contract.
 4. Verification of the exact amount owed, with a full payment ledger.
 5. Proof that you are licensed to collect debts in my state.

Until you provide proper validation, you must cease collection activity,
including reporting this account to any credit bureau. Reporting an
unvalidated debt is a violation of the FDCPA and the FCRA and may
entitle me to damages.

Please respond in writing only. Do not contact me by phone.

Sincerely,

[Signature]
[Printed Name]