FDCPA Debt Validation Letter (1692g)

Free FDCPA debt validation request template. Forces a debt collector to prove the debt under 15 U.S.C. 1692g within 30 days.

When to use this template

Use this template within 30 days of receiving the collector's first written notice. The collector must cease all collection activity until they validate the debt with the original signed contract and a complete itemized accounting.

Federal statutes invoked

15 U.S.C. § 1692g
FDCPA § 809

Blank template

[Your Name + Address]
[Date]

[Collector Name + Address]

RE: Debt Validation Request Under FDCPA § 1692g
Account/Reference Number: [If known]

Dear [Collector],

I received your initial communication regarding an alleged debt. Within the 30-day window provided by 15 U.S.C. § 1692g(a), I am requesting validation of this debt.

I require the following:

  1. The name and address of the original creditor
  2. The original signed contract or agreement creating the debt
  3. A complete itemized accounting of every charge, payment, fee, and interest assessment
  4. Proof of your legal right to collect this debt (assignment chain or original creditor authorization)
  5. The date the debt was allegedly incurred and the date of last payment

Until you provide this validation, you must cease all collection activity, including credit reporting, under § 1692g(b).

Any continued collection activity without validation - including credit reporting - is a separate violation of the FDCPA carrying statutory damages of up to $1,000 plus attorneys' fees.

Sincerely,
[Your Signature]

Filled-in example

Robert Park
654 Birch Drive
Chicago, IL 60601
April 28, 2026

Portfolio Recovery Associates
120 Corporate Blvd
Norfolk, VA 23502

RE: Debt Validation Request Under FDCPA § 1692g
Reference Number: PRA-77831

Dear Collections Department,

I received your initial collection notice dated April 17, 2026. Within the 30-day window provided by 15 U.S.C. § 1692g(a), I am requesting validation of this debt.

Please provide:
  1. Name and address of the original creditor
  2. The original signed contract
  3. Complete itemized accounting
  4. Proof of your right to collect (assignment chain)
  5. Date debt was incurred and date of last payment

Until you provide this validation, cease all collection activity including credit reporting per § 1692g(b).

Sincerely,
Robert Park

(Names, addresses, and account numbers are fictional.)

If you don't get a response in 30 days

If the collector continues to report to the bureaus while validation is outstanding, document each report and file an FDCPA action. Each unverified report is a separate § 1692e violation.

Generate this letter, ready to mail

LawSensai pre-fills every field from your credit report, runs the FCRA citations, and offers $8.99 USPS certified mailing with return receipt - the gold-standard way to anchor the 30-day clock.

Use this template

Blank template

[Your Name + Address] [Date] [Collector Name + Address] RE: Debt Validation Request Under FDCPA § 1692g Account/Reference Number: [If known] Dear [Collector], I received your initial communication regarding an alleged debt. Within the 30-day window provided by 15 U.S.C. § 1692g(a), I am requesting validation of this debt. I require the following: 1. The name and address of the original creditor 2. The original signed contract or agreement creating the debt 3. A complete itemized accounting of every charge, payment, fee, and interest assessment 4. Proof of your legal right to collect this debt (assignment chain or original creditor authorization) 5. The date the debt was allegedly incurred and the date of last payment Until you provide this validation, you must cease all collection activity, including credit reporting, under § 1692g(b). Any continued collection activity without validation - including credit reporting - is a separate violation of the FDCPA carrying statutory damages of up to $1,000 plus attorneys' fees. Sincerely, [Your Signature]

Filled-in example

Robert Park 654 Birch Drive Chicago, IL 60601 April 28, 2026 Portfolio Recovery Associates 120 Corporate Blvd Norfolk, VA 23502 RE: Debt Validation Request Under FDCPA § 1692g Reference Number: PRA-77831 Dear Collections Department, I received your initial collection notice dated April 17, 2026. Within the 30-day window provided by 15 U.S.C. § 1692g(a), I am requesting validation of this debt. Please provide: 1. Name and address of the original creditor 2. The original signed contract 3. Complete itemized accounting 4. Proof of your right to collect (assignment chain) 5. Date debt was incurred and date of last payment Until you provide this validation, cease all collection activity including credit reporting per § 1692g(b). Sincerely, Robert Park

(Names, addresses, and account numbers are fictional.)