Stop Medical Debt Collections

[Your Name] [Your Address] [City, State ZIP] July 4, 2025 [Collection Agency Name] [Collection Agency Address] [City, State ZIP] Subject: Dispute of Debt and Request for Validation - Reference Number: [REFERENCE NUMBER] (Alleged Original Creditor: [ORIGINAL CREDITOR NAME]) To Whom It May Concern: I am writing in response to your communication dated [DATE OF COLLECTION LETTER], regarding the alleged debt referenced above (Account Number: [ACCOUNT NUMBER]). This letter serves as formal notification that I am disputing this alleged debt. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692g, I have no recollection of the particulars of this alleged debt. Therefore, I request that you provide validation of this debt. Please provide documentary evidence sufficient to establish the validity and accuracy of this alleged obligation, including but not limited to: 1. Proof that your agency is licensed and legally entitled to collect debts in my state. 2. Documentation demonstrating that I am legally obligated to pay this specific debt to your agency, including a copy of the original signed contract or agreement with the original creditor creating the debt. 3. Complete account statements from the original creditor, showing the alleged debt amount and how it was calculated (including principal, interest, fees, and payments made). 4. Proof of the date of the last payment or transaction on this account. 5. Verification that the statute of limitations for collecting this debt has not expired. Crucially, pursuant to FDCPA § 1692g(b), you must cease all collection activities related to this disputed debt until you have obtained verification of the debt and mailed it to me. This cessation includes, but is not limited to, placing phone calls, sending letters, initiating lawsuits, and reporting or verifying this account information to any credit reporting agency (such as Experian, Equifax, or TransUnion). Any attempt to report or verify this disputed debt with a credit reporting agency before providing the requested validation and waiting the required period constitutes a violation of the FDCPA. Please provide the requested validation within thirty (30) days of your receipt of this letter. Failure to provide adequate validation within this timeframe will be interpreted as confirmation that you cannot substantiate this claim, and I will expect all collection activity to cease permanently and for any related reporting to credit bureaus to be deleted. I am maintaining records of all correspondence regarding this matter, including proof of mailing via Certified Mail. Sincerely, [Your Printed Name]