Debt validation notices confirm debts and debt collectors must provide these in writing. The Rule states what must be included in the notice. This includes the name and mailing information of the debt collector and the name of the creditor to whom the debt is owed. If it is available, it must also include the account number that is associated with the debt.
Debt validation notices must also contain itemized information including what is currently owed plus interest, fees, payments, and credits. This way consumers can recognize debts and verify them.
Another important inclusion is information about debt collection rights. This must tell consumers how they can dispute the debt if they believe it is not theirs.