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I just drafted a DV letter that I am planning on submitting to a CA. The alleged debt is beyond the SOL but barely, and I want to attempt to expedite the process of removal. I did not want to sound like a litigation nightmare, but rather a fairly reasonable common person so I did not include any legal chatter. The burden of knowledge is on them, I shouldn't have to spell out the consequences of their noncompliance or provide them a roadmap to be in full compliance (no reason to make it too easy for them). Besides, if they think I'm a simpleton that "don't know nuttin'" then chances are they will be sloppy and I may be able to have them rack up violations and hold a threat to sue as leverage for deletion. I doubt they would make it that easy, but it's possible. The one issue that I have for sure, is that I don't have the full account number. My credit report has it listed where the last four digits are X'ed out (example: 12345XXXX) so how am I supposed to identify exactly what account is being referenced without providing them all of my information (SSN, etc.)? Anyhow, this is the letter: [Name] [Address] [Address] [Date] [Collection Agency] [Address] [Address] RE:XXXXXXXXX [account number] Greeting, While recently reviewing my credit report I stumbled upon an account that your organization is reporting as being in a state of collection. This is an erroneous account and is quite damaging to my financial standing. I respectfully request that this alleged debt be validated. Your organization has reported this account to my credit report, so I would imagine that you have information that might be able to prove the validity of the debt and of your collection attempt. I ask that you fully investigate this matter and report back to me your findings. I am requesting definitive proof that I am obligated to pay you to satisfy the supposed debt that you are reporting to my consumer credit report. I am hereby requesting a copy of any agreement with your client which authorizes you to collect on this alleged debt, or proof that your organization has acquired the alleged debt through assignment or purchase. I additionally request information concerning all relevant dates, balance claimed to be due, to whom the balance is claimed to be due, how the claimed balance was calculated (all statements and payment history from the original creditor requested), and for what purpose was the claimed debt originated. Any original contractual agreement (containing my signature) between the original creditor and myself that proves that I entered into a financial agreement will be required. In addition, I will require proof that you are currently licensed to collect this alleged debt in my state, and proof that this account is within the statutes of limitations for collection efforts. Until this alleged debt is validated, and all conditions of validation as laid out above are met, I expect that your organization will cease reporting this debt to the credit reporting agencies. This letter is to serve the purpose of validation request, and to notify you that I wish to discuss all matters pertaining to this alleged debt through postal mail. It is inconvenient for me to be contacted by phone to address this matter. All communication from this point forth are to be conducted through mail. I thank you for your assistance in this matter and will be waiting for your written response at the above declared address. Regards, [Name]

Hi All, Im helping a friend out with his credit and have a question whether to send a Debt Validation Letter or not. He had a Chase card that the DOFD was 7-2007 and transferred or sold to a JDB on 12-31-2007. The charge off amount was around $24K. The debt ended up with Core Recovery and they reported it as 12-31-10 "date opened" andreported a balance of $34K on 8-11-11 to TU only. The last letter my friend received was on 7-12 stating the debt was $27K. Interesting thing was they said they were collecting on behalf of Chase and no mention of purchasing the debt. Chase already deleted the tradeline and Core Recovery is only reporting to TU. But the information they are reporting is incorrect. Should he DV the debt and if he does do ou think there would be any risk in DV this debt? My thought is to DV them. The debt is past the SOL, the information they are reporting to TU is incorrect, and noone actually knows if they still own the debt. Thoughts?

Sending a simple DV letter to Midland Funding and Portfolio Recovery sometime tomorrow. CRs show Midland had the account since 7/2013 and Portfolio had the account since 9/2012. Not sure what will come of these letters, but any advice?

Would someone be kind enough to direct me or provide a link to a sample "unknown debt" letter? I looked in sample letter forum and entered keywords in general forum and can find nothing. Sorry if I am missing something. I swear I'm so lost... Thanks