<Name>
<Address>

<Collection Agency>
<Collection Agency Address>

<Date>

Re: Acct XXX-XX-XXXXX

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Sincerely,
<Name>