Credit Card Center Advertiser Disclosure

New Contributor
Posts: 69
Registered: ‎05-31-2012
0 Kudos

What counts as debt validation?

Dealing with the dreaded ANFI *facepalm*


I sent a request for debt validation, and they responded with a copy of a verizon bill.


I dont recall ever leaving a balance with verizon , the bill is dated 2006 though and I wouldnt even know how to go back and prove I paid..I dont even bank with the same people etc etc


Does this count as "debt validation" though?


*Also I just got a score watch alert today that is has been updated to reflect "disputed"


Next step?

Community Leader
Epic Contributor
Posts: 29,720
Registered: ‎03-19-2007
0 Kudos

Re: What counts as debt validation?

What constitutes adequate debt verification has only one definitive answer.  It is what a judge determines if you contest it.


FDCPA 809(b) is a vague, and thus hotly contested, statute that does not define what verification is other than requiring the debt collector to obtain it.

When statutory language is vague, ultimate intepretation is left to the courts.

Most courts have supported the intepretation that all that is required is that they conduct some investigation, and thus obtain a basis for considering the debt as valid.  A simple statement to the consumer is, in that general interpretation, all that is required.  Under that interpretation, their sending of an account document was more than is required.


There are some judges who have interpreted the statute to require supporting documentation.  If you get before him or her, you may get a more restrictive requirement.

But that requires litigation.


In my opinionm they have provided verification.  However, be mindful that failure to have provided what you consider adequate verification is not, in and of itself, a violation of anything. Violation would occur if and when the initiate collection activities when you consider them to still be under a cease collection bar. 


If you contest it, you can either file a dispute, initiate an identity theft process, or bring your own legal action.  If you are willing to put your assertion of account not authorized by me into a sworn police report, my suggestion would be to implement and identity theft process, which permits you to obtain instant blocking of the disputed account from your credit report.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
0 Kudos

Re: What counts as debt validation?

I understand what RobertEG is saying.  What' I've always taken as what the minimum is, The name of the OC, their address, and the amount.  So if they sent a bill from Verizon, that would pretty much satisfy all the above.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Established Contributor
Posts: 601
Registered: ‎02-12-2011
0 Kudos

Re: What counts as debt validation?

How much is it for? Verizon may not even have information on your last payment. I wonder how long financial institutions are supposed to hold on to your records, it's a long shot but if you remember paying it then I would do whatever it takes to get that point across. If the balance is really high, maybe you didn't consider termination fees?

Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700

Take the FICO Fitness Challenge
Community Leader
Epic Contributor
Posts: 29,720
Registered: ‎03-19-2007
0 Kudos

Re: What counts as debt validation?

[ Edited ]

Providing the name of the OC is not a requirement in debt validation unless the DV includes an additional and express request for that info.


Both dunning notice and debt verification must provide only the name of the current creditor.  It is wise, if the source of the debt is unclear, to make sure and include the additional request for the name and address of the OC in your DV.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.