Debt Validation Letter

SAMPLE — not a real letter. Names, amounts, and account numbers are fictional.

April 14, 2026 Jordan Sample 123 Sample Street Anytown, ST 00000 Meridian Recovery Partners, LLC P.O. Box 0000 Sampleville, ST 00001 RE: Dispute and demand for validation — Your reference MRP-0000-SAMPLE; alleged original creditor Northbridge Health System; alleged balance $2,315.47 Sent via certified mail, return receipt requested To whom it may concern: I received your collection notice dated April 6, 2026 on April 9, 2026. This letter is sent within thirty days of that receipt. I dispute this debt in its entirety and demand validation under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b). Please provide the following in writing: 1. The amount you claim is owed, and a complete itemization of how it was calculated, including the itemization date, the amount owed on that date, and all interest, fees, payments, and credits since, as described in Regulation F, 12 C.F.R. § 1006.34. 2. The name and address of the original creditor, and proof that the original creditor assigned or sold this account to you, or authorized you to collect it. 3. A complete itemization of the underlying charges: each service, its date of service, the provider who rendered it, and the CPT or HCPCS code where applicable. A lump-sum balance does not let me evaluate whether the amount you claim is accurate. I continue to dispute this debt until that itemization is provided. 4. If my state requires debt collectors to hold a license or bond, a copy of yours. 5. A copy of any agreement or signed document that you contend makes me responsible for this amount. Under § 1692g(b), because this dispute is timely, you must cease collection of this debt until you have mailed me the verification requested above. If you have reported or report this account to any consumer reporting agency, it must be reported as disputed, as 15 U.S.C. § 1692e(8) requires. I will document any collection activity that occurs after you receive this letter and before I receive verification. Nothing in this letter is an acknowledgment that I owe this debt or any part of it. Please direct all further communication to the address above, in writing. Sincerely, Jordan Sample Enclosures: Copy of your notice dated April 6, 2026