Free Debt Validation Letter to Credit Bureaus [Sample]

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A sample debt verification letter to a credit bureau is shown below. It’s written in the style of a formal business letter, with proper punctuation and spelling. 

It is suggested that the letter be delivered certified mail with a return receipt request. This will provide verification to the sender that the letter was received on a specific day and time.

Sample Debt Validation Letter To Credit Bureaus

Your Name
Your Address
City, State, Zip Code


Name Of Credit Bureau
Address Of Credit Bureau
City, State, Zip Code

RE: Debt verification for account number NUMBER

Dear Sir/Madam:

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I discovered incorrect information reported as credit card debt after reading my credit report. This is a formal request that you confirm the information. Under the Fair Credit Reporting Act, I have the right to request the name and address of the company that claims the debt.

As of DATE, I have paid off all of my debts, according to my paperwork. I’ve attached copies of the paid invoices and the cancelled checks that was used to settle the debt. Please verify the facts or remove the debt from my credit record as soon as possible.

I ask that you follow the law and provide me with written verification within 15 working days of receiving this letter. It’s critical that I get my credit report fixed as soon as possible.

Thank you for your quick attention to this matter. I can be reached at Email Address or at Phone Number if you require any further information.


Printed Name
List of Enclosures: Copies of receipts and cancelled checks

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