Your Address Their Address Thursday, May 15, 2008 Re: Acct #XXXXX Original Account #XXXXX To Whom It May Concern: This letter is being sent to you in response to a notice I received on [date]. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 USC 1692g Sec. 809(b) that your claim is disputed and validation is requested. Because it appears that your records are in error, I respectfully request that you provide me with evidence that I am the person that owes this debt and that you have the authority to collect. In order to help us determine where the error occurred, please provide me with information showing the original source of the debt and how it was incurred, a detailed breakdown of how you calculated the amount due, and copies of any documentation that shows I agreed to pay this amount. Additionally, I would like to request copies of any documentation showing you are currently licensed and bonded by the State of [your state] and the complete name, address, and phone number of the [your state] Registered Agent for Service of Process. As you are aware, it is unlawful to report invalid information to Equifax, Experian or TransUnion. If the invalid information remains on any of my credit reports after 30 days have elapsed subsequent to your receipt of this letter, I will pursue legal action for violation of the above named Act. I would also like to request that no telephone contact be made by your offices to me and all further correspondence be conducted by mail. I am looking forward to a swift and mutually agreeable resolution of this issue, and will gladly provide any documentation necessary to help you correct your records. Yours Very Truly, Your Signature Your Name