Do I need my account number for a Debt Validation Letter?

[Anonymous]

I know this may seem a silly question, but I checked my CR and I see 2 collections for medical bills for amounts that do not match my records. The CR doesnt give me the full account number. So do I have to call prior to sending a DV letter? Or can I mail the request with the partial number that appears on my CR?

Thank you

[Anonymous]

usually ur name n DOB is enough.  the date account was opened will help too

[RobertEG]

No, you dont need an account number.

Some DVs are sent prior to any credit reporting or receipt of any dunning notice.  That is done to place a cease collection bar, thus preventing credit reporting until theiy have first validated.

Has the debt collector sent you a dunning notice?

If so, I would attach to your DV a copy of your dunning notice along with a copy of the portion of your CR that references their collection, which should more than adequately identify the debt to the debt collector.

If you dont have either a dunning notice or credit reporting, then your full name and addresss, along with the name of the OC, should do the trick.