We received this question from a website visotr: “How do I trace back what HSBC is claiming I owe. This has been outstanding the collection agency says since 98. I never had this account, however, would like to know what account is sueing me. The collection agency is no help. Do you know who I can get this information from?”

Answer:

Section 809(b) “Validation of the debt” requires debt collectors to obtain
verification of the debt from the creditor and mail it to the consumer.

The principal purpose of this section is to help consumers who have been
mis-identified by the debt collector or who dispute the amount of the debt.
It’s imperative that verification of the identity of a consumer and the
amount of the debt be obtained directly from the creditor. Mere itemization
of what the debt collector already has does not accomplish this purpose.

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