Debt Validation and Information Request Letter - District of Columbia

DEBT DISPUTE, VALIDATION, AND DISTRICT INFORMATION REQUEST

1. Coverage and Timing Worksheet — Do Not Send This Page

Federal Route

☐ Recipient is a “debt collector” for the federal FDCPA after claim-specific review.

☐ The validation information was received on [DATE].

☐ The validation-period end date stated in the notice is [DATE].

☐ This written dispute and/or original-creditor request is expected to be received on or before that date.

☐ The communication being answered was not merely a formal pleading in a civil action. A formal pleading is not an initial communication under § 1692g(d).

District Route

☐ The obligation is a covered “consumer debt” under D.C. Code § 28-3814(a) and (b)(2).

☐ The obligation is not mortgage-secured credit, a loan directly secured on real estate, or a direct motor-vehicle installment loan covered by Chapter 36.

☐ Recipient is not an original creditor collecting its own debt, because § 28-3814(m)(3) excludes that collector from subsection (m).

☐ This is Consumer's first request for the information listed in § 28-3814(m)(1).

Court and Strategy Gate

☐ No summons, complaint, hearing notice, garnishment, judgment, or other court deadline is being treated as paused by this letter.

☐ Counsel reviewed whether selecting the optional federal cease-communication request is desirable. It limits communications but permits the three communications listed in § 1692c(c) and does not itself erase the debt or prohibit a lawful specified remedy.

2. Sender and Recipient

Consumer: [FULL NAME]
Mailing address: [ADDRESS]
Email / telephone (optional): [CONTACT]

Date: [DATE]

Recipient: [DEBT COLLECTOR LEGAL NAME]
Address designated for disputes or correspondence: [ADDRESS]

Delivery method: [CERTIFIED MAIL / TRACKED MAIL / PORTAL / OTHER]
Tracking or confirmation number: [NUMBER]

3. Account Reference

4. Letter

To [RECIPIENT]:

I write about the account identified above. I do not admit liability for the alleged debt.

A. Dispute

☐ I dispute the entire alleged debt.

☐ I dispute only [$________ / THE FOLLOWING PORTION]: [DESCRIBE].

The factual basis I choose to provide is: [NOT MY ACCOUNT / AMOUNT OR ITEMIZATION IS WRONG / PAYMENT OR CREDIT OMITTED / IDENTITY ISSUE / OTHER FACTS / NO REASON PROVIDED].

B. Federal Validation-Period Request — Use Only If Timely and Covered

☐ This paragraph applies. Treat this as my written dispute under 15 U.S.C. § 1692g(b) and 12 C.F.R. § 1006.38(d). Please cease collection of the disputed debt or portion until you send the response required by those provisions.

☐ I also request in writing the name and address of the original creditor, if different from the current creditor, under § 1692g(b) and § 1006.38(c). Please cease collection until you send the required response.

Delete this federal cease-collection language if the request will not be received within the validation period or the recipient is not a federal debt collector. A later letter may still communicate a factual dispute, but this form does not state that it triggers § 1692g(b).

C. District Information Request — Use Only If Subsection (m) Applies

☐ This paragraph applies. Treat this as my first request under D.C. Code § 28-3814(m)(2)(D). Please provide in writing all information and documents listed in subsection (m)(1) within 15 days after receiving this request and cease collection until that information is provided, including:

1. documentation of the original creditor's name and the current creditor or owner's name;
2. my last account number with the original creditor;
3. a copy of the signed contract, signed application, or other documents providing evidence of the alleged liability and its terms, or the revolving-account statement information allowed by subsection (m)(1)(C)(ii);
4. the date the debt was incurred, using the revolving-account rule in subsection (m)(1)(D) if applicable;
5. the date and amount of my last payment, if applicable;
6. the itemized accounting required by subsection (m)(1)(F), including principal, interest, fees, charges, who imposed them, and the additional charge-off records required for a charged-off credit-card or revolving account; and
7. if the debt has been reduced to judgment, the judgment, documentation establishing ownership of the judgment, and an itemized current balance.

This request does not represent that subsection (m) requires a complete chronological chain of every assignment or a collector's license record. Any voluntary additional information requested is listed separately below.

D. Voluntary Additional Request — No Statutory Entitlement Asserted

Please also provide, if available: [ASSIGNMENT RECORD / PAYMENT HISTORY / COMMUNICATION LOG / OTHER].

I understand that this voluntary request does not expand the information federal or District law requires for this particular recipient and debt.

E. Optional Cease-Communication Election

☐ I do not make a § 1692c(c) cease-communication request in this letter.

☐ I notify you in writing under 15 U.S.C. § 1692c(c) that I want further communication about this debt to cease, except for a communication permitted by paragraphs (1) through (3) of that subsection.

F. Closing

Nothing in this letter is intended as a payment, promise to pay, or acknowledgment that the alleged debt is valid or enforceable. Under 15 U.S.C. § 1692g(c) and 12 C.F.R. § 1006.38(d)(1), failure to dispute is not a legal admission; this letter expressly records my dispute.

Please send any required response to the mailing address above.

Sincerely,

[SIGNATURE]
[PRINTED NAME]
[DATE]

5. Enclosures

☐ Copy of validation notice or collection communication
☐ Payment, identity, account, or dispute record: [DESCRIPTION]
☐ No enclosure

Redact full account numbers, Social Security numbers, birth dates, medical details, and unrelated personal information unless counsel determines they are necessary and appropriately transmitted.

6. Delivery Record

No particular mailing method is represented here as a statutory condition unless current law and the collector's notice require it. Use a reliable method that creates evidence of what was sent and when it was received.

7. Post-Send Review

☐ Calendar any lawsuit, answer, hearing, appeal, garnishment, limitations, or other deadline independently of this letter.

☐ Compare the response actually received with the federal provision and/or each item in § 28-3814(m)(1) that applies.

☐ Do not treat silence, a late response, or an incomplete response as an automatic admission, debt cancellation, credit-report deletion, or fixed damages award.

☐ Preserve the notice, letter, enclosures, delivery evidence, response, call log, messages, and account records for counsel's claim-specific review.

☐ Before making a payment or written or oral affirmation on a potentially time-barred covered debt, obtain advice about D.C. Code § 28-3814(l), accrual, and the applicable limitations period.