Creditor Verification Request

A Creditor Verification Request is a formal written request from a debtor or their representative to a creditor or debt collector, asking them to provide proof or verification of the validity and accuracy of an alleged debt. The request typically includes details about the debt, such as the account number, the original creditor, and the current balance, as well as a statement that the debtor disputes the debt or has insufficient information to determine its validity. The request may also include a demand for specific documentation or information, such as a copy of the original contract or agreement, an itemized statement of the account, or the name and contact information of the original creditor. The purpose of a Creditor Verification Request is to exercise the debtor’s right to dispute and verify a debt under the Fair Debt Collection Practices Act (FDCPA) or other applicable laws, to ensure that the debt is legitimate and accurate, and to protect the debtor from any fraudulent or erroneous collection attempts. The request should be sent in writing, by certified mail or other verifiable means, and may trigger certain legal obligations and timelines for the creditor or collector to respond.