Free Debt Validation Letter for Medical Bills (Sample)

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Learn how to draft a medical bill debt validation letter. For your debt validation letter, use our sample debt validation letter for medical expenses as a template.

sample debt validation letter for medical bills

Your Name
Your Address
City, State, Zip Code


Name of Collection Agency
Address of Collection Agency
City, State, Zip Code

Re: Give Account Number Here

To Whom It May Concern:

This letter is in response to a notice of debt I received from you on DATE.

It is not a refusal to pay the debt, but a notice that I am disputing it and requesting validation.

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to ask for a validation of the debt you claim I owe. 

This is not a request to verify my mailing address, it is a request for proof according to 15 USC 1692g Sec. 809 (b) of the FDCPA. Kindly provide me with valid evidence that I need to pay you for this debt.

Please provide the following information:

  • Your license numbers and Registered Agent
  • Proof that you are licensed to collect in my state
  • What the money you say I owe is for
  • How you calculated what you say I owe
  • A verification or copy of any judgment if applicable
  • Copies of any papers that show I agreed to pay what you say I owe
  • Proof that the Statute of Limitations has not expired on this account
  • Identify the original creditor
  • The name and address of the bonding agent for your collection agency in the event legal action becomes necessary

If any invalidated information has been reported to any of the three major Credit Bureaus, it might be considered fraud under both state and federal law. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following:

  • Defamation of Character
  • Violation of the Fair Debt Collection Practices Act
  • Violation of the Fair Credit Reporting Act

If you provide the requested documentation, I will need 30 days or more to investigate the debt. During that time, all collection activity must stop. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information given to a credit reporting bureau that is invalid and inaccurate.

If your offices fail to respond to this validation request within 30 days after receiving this letter, all of the information that is related to this account must be completely removed from my credit report, and a copy of my new, accurate credit report should be sent to me immediately.

All future communications with me should be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose.


Your Signature
Your Printed Name
List of enclosure

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