Use this letter 30 days after you certified mail the debt validation letter only if you did not hear a response via mail from the creditor or collection agency.
Your Name
Your Address
Name of Collection Agency
Collection Agency Address
Attention: Collection Manager
RE: (Original Creditor)
Account#: (put acct # here)
Amount Due: (dollar amount here)
Dear Collection Representative,
This letter is to inform you that it has been over 30 days since my initial request for documentation (see enclosure) of validation for this account. As of this date I still have not received the information requested. Furthermore, I have been informed by the credit reporting agencies that your company continues to confirm this account as correct and owing.
As you have not followed through with my previous request, I assume this account will now be removed from my credit report, as the law requires. Furthermore, please be advised that if you do not remove this account and notify me immediately in writing of your actions, I will not only file a formal complaint with the FTC, but also with the Office of Consumer Affairs and possibly seek legal counsel to determine what other actions I may take.
I look forward to hearing from you.
Best regards,
Your Name
