An original signed contract is not a requirment of debt validation under FDCPA 809(b), and is not generally interpreted in the case law as necessary for validation.
If you intend asserting that a signed contract is necessary, you should consult an attorney for review of case law precedent in your federal appellate jurisdiction.
Most jurisdictions do not impose such an interpretation of FDCPA 809(b).
More significantly, there are no requirmed elements that must be provided in response to any DV request under the FDCPA, and FL law does not provide for any enhanced DV requirements. The debt collector must conduct an investigation and provide a statement as to whether they have obtained verification of the debt.
The FDCPA imposes a cease collection bar upon a debt collector if the consumer sends a timely DV request.
If the debt collector ceases further collection activities, there is no need to send any validation. Thus, there is no requirement for any response, let alone a response that includes a copy of the original contract that created the debt.
