Look for it on my list of posts on the right side bar if you need help with them).
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I have been helping people repair their credit for over 20 yrs.
You'll hear facts about credit repair here, not half truths and lies spewed at you by bureaus, negotiators & collectors that want to make money off of you.
Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor.
Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor." You will notice that the law uses the word "Verification" but it actually tells them that they have to send you the copy of that Verification - the PROOF, which is the Validation, of the alleged debt. But this is when they obey the law and notify you within the first 5 days of initiating collection activity, that they are going to be trying to squeeze money out of you that doesn't belong to them and you have the right to dispute it. For original creditors, many states have fair debt collection laws that mirror the FDCPA but also include original creditors.
The law that gives you the right to demand validation is the Fair Debt Collection Practices Act (FDCPA). The exact section of the law that requires them to validate when you request it is g Sec.809(b).
This law says: "If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.If you are going to work on repairing your credit, you really need to know what a validation letter is, what is requested/demanded, who it goes to and why you can use this.Many credit repair companies, and people who work on repairing their credit themselves, don't use the validation letter, and so, are not as successful at improving their credit report.You have the right to demand validation from your alleged collectors.You can repair your credit yourself, though it is a tedious job.Or, if you would rather watch and learn, without dealing with creditors and bureaus, I would be happy to fight for you to improve your credit and your FICO score!