Debt Validation Letter (Oregon)

DEBT VALIDATION AND DISPUTE LETTER — OREGON

1. SENDER INFORMATION

[CONSUMER FULL LEGAL NAME]

[STREET ADDRESS]

[CITY, OR ZIP]

[PHONE]

[EMAIL]

Date: [__/__/____]

2. RECIPIENT (DEBT COLLECTOR)

[DEBT COLLECTOR NAME]

Attn: Compliance Department / Registered Agent

[STREET ADDRESS]

[CITY, STATE ZIP]

Sent via: ☐ U.S. Certified Mail, Return Receipt Requested (Tracking # [____________]) ☐ Email to designated dispute address ☐ CFPB portal upload

3. ACCOUNT REFERENCE

4. RE: NOTICE OF DISPUTE AND REQUEST FOR VALIDATION

To Whom It May Concern:

I am writing in response to your communication dated [__/__/____] concerning the alleged debt referenced above. I dispute this debt in its entirety and hereby demand validation pursuant to 15 U.S.C. § 1692g(b) and Regulation F, 12 C.F.R. § 1006.34.

This letter is timely because it is sent within thirty (30) days of my receipt of your validation notice. You must cease collection of the disputed debt or disputed portion until you mail verification or a judgment copy. See 15 U.S.C. § 1692g(b); 12 C.F.R. § 1006.38(d)(2).

5. SPECIFIC ITEMS REQUESTED

To help me evaluate the account, please provide the following, if available. The FDCPA does not impose a thirty-day collector-response deadline:

☐ (a) Verification of the debt, including documentation establishing that I am the correct debtor;

☐ (b) A copy of the original signed contract, application, or agreement giving rise to the alleged obligation;

☐ (c) A complete itemized accounting of the alleged debt from the date of last payment, broken down by principal, interest, fees, and any charges added;

☐ (d) The identity, address, and contact information of the original creditor;

☐ (e) Documentation of every assignment, sale, or transfer of the alleged debt from the original creditor through the present, including dates, amounts, and parties — i.e., the complete chain of title (relevant to a debt buyer; required to support a future collection action under ORS 646A.670);

☐ (f) A copy of your Oregon collection-agency registration (where applicable) and a license number;

☐ (g) A statement of the date the alleged debt was incurred and the date of last payment, so I may confirm whether the statute of limitations has expired (ORS 12.080 — six years; ORS 12.110 — two years for certain torts; collection of time-barred debt is unlawful under ORS 646.639(2)(p));

☐ (h) Any judgment, if you contend one exists, including court name, case number, and date entered;

☐ (i) The name of the person at your firm who has personal knowledge of the records to be relied upon, in case this matter proceeds to litigation; and

☐ (j) Confirmation that collection of the disputed debt or portion will remain paused until you mail the response required by 15 U.S.C. § 1692g(b).

These additional requests do not state that the FDCPA requires every listed item as part of verification; separate Oregon-law duties may apply.

6. CEASE-COMMUNICATION DEMAND (OPTIONAL — DELETE IF NOT DESIRED)

Pursuant to 15 U.S.C. § 1692c(c) and ORS 646.639(2)(d), I demand that you cease all communication with me concerning this alleged debt, except as expressly permitted by 15 U.S.C. § 1692c(c)(1)–(3). Specifically, do not:

• Telephone me at home, on my mobile phone, or at my place of employment;
• Send written or electronic communications other than (a) the validation/verification documents requested above and (b) the limited notices permitted by 15 U.S.C. § 1692c(c); or
• Contact any third party — including my employer, family members, neighbors, or social-media contacts — concerning this debt.

Any post-receipt communication must be compared with the three exceptions in 15 U.S.C. § 1692c(c) and separately applicable law; this letter does not itself establish willfulness or liability.

7. NOTICE OF OREGON UDCPA RIGHTS

The Oregon Unlawful Debt Collection Practices Act (ORS 646.639) prohibits, inter alia:

• Use or threat of force or violence (ORS 646.639(2)(a));
• False threat of arrest, prosecution, or property seizure (ORS 646.639(2)(b));
• Profane, obscene, or abusive language (ORS 646.639(2)(c));
• Repeated or harassing contact at inconvenient times (ORS 646.639(2)(d));
• Communications with my employer regarding the debt (ORS 646.639(2)(e));
• Failure to identify yourself in communications (ORS 646.639(2)(g));
• Simulating legal or judicial process (ORS 646.639(2)(j));
• Misrepresenting authority to add charges or attorney fees (ORS 646.639(2)(k));
• Collecting interest or fees not authorized by the underlying agreement (ORS 646.639(2)(l)); and
• Collecting on a debt for which the statute of limitations has expired (ORS 646.639(2)(p)).

Willful violation of the UDCPA exposes the collector to actual damages or $200 statutory damages (whichever is greater), punitive damages, equitable relief, and reasonable attorney fees. ORS 646.641. Independent overlapping liability also arises under the Oregon UTPA, ORS 646.605 et seq.

8. PRESERVATION DEMAND

Preserve, and do not destroy or alter, all records relating to this alleged debt, including but not limited to: account notes, collector logs, recorded telephone calls, voicemails, scripts, training materials, contracts of assignment, and electronic data. This letter constitutes a litigation hold notice.

9. SIGNATURE

Signed under penalty of perjury under the laws of the State of Oregon:

[________________________________]

[CONSUMER NAME]

Date: [__/__/____]

10. ENCLOSURES (CHECK AS APPLICABLE)

☐ Copy of debt collector's initial communication

☐ Copy of credit report excerpt showing tradeline

☐ Identity-theft affidavit (if disputed as not the debtor's debt)

☐ Power of attorney (if signed by representative)

11. PRACTICE NOTES (FOR THE CONSUMER / COUNSEL — NOT TO BE SENT)

• Calendar the validation period. A written dispute received during the validation period triggers the § 1692g(b) pause. The collector has no general thirty-day response deadline; collection of the disputed debt or portion remains paused until the required verification or judgment copy is mailed.
• Send certified, keep proof. Without proof of mailing, validation requests are essentially unenforceable. Keep the green card, the tracking record, and a photo of the sealed envelope.
• Mirror the dispute to each consumer reporting agency that reports the item. A consumer's direct CRA dispute invokes 15 U.S.C. § 1681i(a)'s reinvestigation process. The CRA then gives the furnisher notice under § 1681i(a)(2), which is the notice that triggers the furnisher duties in § 1681s-2(b).
• Time-barred debt. Most contract debts in Oregon are governed by a six-year statute of limitations under ORS 12.080. Once the SOL has expired, ORS 646.639(2)(p) makes any further collection of the debt an unlawful practice. Do not make a partial payment, which can revive the SOL.
• Debt buyers. ORS 646A.670 imposes specific pleading and documentation requirements on debt buyers seeking judgment. Preserve the demand for chain-of-title now to set up dismissal or summary judgment later.
• Track responses. Log each post-receipt communication and have counsel compare its content with the three federal exceptions and separately applicable state law; Section 1692c(c) does not itself make every post-notice communication a separate claim.

12. SOURCES AND REFERENCES

• 15 U.S.C. § 1692g — https://www.govinfo.gov/app/details/USCODE-2023-title15/USCODE-2023-title15-chap41-subchapV-sec1692g
• 12 C.F.R. Part 1006 (Regulation F) — https://www.ecfr.gov/current/title-12/chapter-X/part-1006
• CFPB Debt Collection Rule — https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f/
• ORS 646.639 — https://oregon.public.law/statutes/ors_646.639
• ORS 646.641 — https://oregon.public.law/statutes/ors_646.641
• ORS 646A.670 — https://oregon.public.law/statutes/ors_646a.670
• Oregon DOJ Consumer Protection — https://www.doj.state.or.us/consumer-protection/

Disclaimer: This template is provided for informational purposes only and does not constitute legal advice. An attorney licensed in Oregon must review and customize this document before use. Laws, citations, and court rules change frequently; verify all authorities before use.