Debt validation requests are provided for under the FDCPA, and are only sent to debt collectors, and not to origiinal creditors.
FDCPA 809.
Creditors enter into account agreements with consumers, and provide billing statements that comprise their statement of debt owed. While you can always send a creditor a request of a past billing statement or an informal request for statement of the current amount of the debt, there is no specific provision of the statute or regs for doing so.
When sending to a debt collector regarding a collection, you simply cite FDCPA 809 and state that you are requesting validation.
Reponse to a CV does not require that they send supporting documents or proofs.
Validation, if sent, only states that they have conducted an investigation and have found the debt to be valid.
A timely debt validation request does not impose any requirement that they respond at all. It only imposes a bar on continued collection activities until they have first provided validation
