Debt Validation
Know your FDCPA rights when dealing with collectors and how to request validation properly. Sometimes called credit validation, this process forces a collector to prove they own the debt and that the amount is accurate before they can keep pursuing you.
Key Topics
Your Rights
Under a valid debt validation program, collectors must validate upon request; they must cease collection until they do. This includes providing adequate FDCPA documentation support that proves they own the debt and the amount is accurate.
Timelines
Act within 30 days of first contact and track all communications.
Validation Requests
Send written requests; keep copies and proof of mailing.
How Method of Verification Relates to Debt Validation
Debt validation and Method of Verification (MOV) are two different rights that work together. Validation, under the FDCPA, is what you request from a collector before they can keep pursuing the debt. An MOV request is what you send to a credit bureau after it has already investigated a dispute and come back with a result of "verified as accurate." If you know the item is wrong but the bureau says it checked and found no error, an MOV request forces them to show their work — including the name and address of the furnisher it contacted, under FCRA Section 1681i(a)(6)(B).
Record Keeping
Maintain organized files for letters, receipts, and responses.
FAQ
What if a collector keeps calling?
Request validation in writing and keep a call log; escalate if needed.
Should I dispute with bureaus too?
If reports are inaccurate, file disputes with the relevant bureaus.
What is a Method of Verification (MOV) request?
A Method of Verification request asks a credit bureau to describe exactly how it verified a disputed item as accurate, including the name and address of the furnisher it contacted, as required under FCRA Section 1681i(a)(6)(B). See the Method of Verification guide for the full process and sample letter.
What if the bureau won't provide a proper Method of Verification?
If the response is vague or does not name the furnisher and procedure used, you can send a direct dispute to the furnisher or file a complaint with the CFPB.