DEBT VALIDATION AND CEASE LETTER

To: [Collector Name/Address]
From: [Consumer Name/Address]
Date: [DATE]
Account/Reference No.: [###]

1. DISPUTE AND VALIDATION REQUEST

• I dispute this debt in its entirety. Provide validation as required by 15 U.S.C. § 1692g, including:
• Amount of the debt and itemization.
• Name and address of original creditor.
• Copy of the judgment or agreement authorizing the debt.
• Proof that you are authorized to collect and that the debt is within the limitations period.

2. CREDIT REPORTING

• If you report this debt to any consumer reporting agency, mark it as “disputed.” If already reported, update it to reflect the dispute. Provide me copies of any reporting.

3. CEASE AND DESIST FROM TELEPHONE CONTACT

• Cease telephone calls to me at [numbers]. You may communicate only in writing to the address above.

4. REQUESTED DOCUMENTS

• Complete account history, payment records, and any assignments/transfer documents.

5. PRESERVATION

• Preserve all call recordings and correspondence regarding this account.

Signed:
[Consumer Name]

[// GUIDANCE: New York debt-collection laws or regulations may add protections; cite as appropriate.]