Product: Student loan

Debt Validation Letter Friday, XX/XX/2023 XXXX XXXX XXXX XXXX To Whom It May Concern : I, XXXX XXXX XXXX XXXX XXXX am a consumer as per the Fair Debt Collection Practices Act and fully invoke my rights as such. Please be advised that this is not a refusal to pay but a notice that your claim is being disputed and validation is requested as per 15 USC 1692g. This is not a request to verify the debt but a request for you to provide complete and competent evidence that I have any legal obligation to pay you. 

I would also like to inform you that if you have reported any invalidated information to any credit reporting agency, such as XXXX, XXXX, and/or XXXX, may constitute as fraud by both Federal and State Law. Therefore, if any negative mark is found on any credit report by your company or any affiliates, I will not hesitate to bring legal action against you and any affiliates for violating the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Defamation of Character. 

Once I receive the information requested through written communication through the mail only, I will review it and respond within thirty days. 

If this validation request is not fulfilled within thirty days from the receipt of this letter, all references to this account must be deleted and completely removed from my credit report and a copy of the deletion request will be sent to me immediately. 

If I receive any communication from you or any of your affiliates through any other medium from the date of receipt of this letter, I will not hesitate to bring legal action against you or any of your affiliates for harassment. 

Thank you for your efforts in this matter and I look forward to your response. 





XXXX XXXX XXXX XXXX I request that the following information be provided to validate this debt : - Name and address of alleged creditor - Name on file of alleged debtor - Alleged account number - Address on file for alleged debtor - Amount of alleged debt - Date this alleged debt became payable - Signed agreement alleged debtor made with creditor - Any agreement that bears the signature or alleged debtor wherein agreed to pay Debt Collector - All statements while account was open - Full audit trail from conception of alleged debt - Have any insurance claims been made by any creditor regarding this account? 



- Have any judgements been obtained by any creditor regarding this account? 



Please provide the name and address of the bonding agent for Navient in case legal action becomes necessary. 


Authorized signature of Creditor ______________________________________________________________________________ Date _____________________________________ This form must be completed and returned along with all copies of all requested information, assignments, and/or any transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Under the Fair Debt Collection Practices Act, this is a request for the validation of this alleged debt. If any portions of this request are not completed in full, this alleged debt will not be considered, and litigation will be pursued.