«File_todaysdate»

«DEF_1Address»

Re:	Account #

To Whom It May Concern:

This letter is being sent to you in response to the letter sent to me dated ____________. Be advised that this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;

Explain and show me how you calculated what you say I owe;

Provide me with copies of any papers that show I agree to pay you what you say I owe;

Identify the original creditor, if different from the current creditor;

Prove the statute of limitations has not expired on this account;

Show me that you are licensed to collect in the Commonwealth of Virginia;

Provide me a copy of any pooling and servicing agreement entered into by either the original creditor or the current creditor;

Provide me with your license numbers and registered agent.

Sincerely,

«BILLTO_Dear»

«BILLTO_Dear»