15 U.S.C. § 1692g : US Code - Section 1692G: Validation of debts

    (a) Notice of debt; contents
      Within five days after the initial communication with a consumer
    in connection with the collection of any debt, a debt collector
    shall, unless the following information is contained in the initial
    communication or the consumer has paid the debt, send the consumer
    a written notice containing - 
        (1) the amount of the debt;
        (2) the name of the creditor to whom the debt is owed;
        (3) a statement that unless the consumer, within thirty days
      after receipt of the notice, disputes the validity of the debt,
      or any portion thereof, the debt will be assumed to be valid by
      the debt collector;
        (4) a statement that if the consumer notifies the debt
      collector in writing within the thirty-day period that the debt,
      or any portion thereof, is disputed, the debt collector will
      obtain verification of the debt or a copy of a judgment against
      the consumer and a copy of such verification or judgment will be
      mailed to the consumer by the debt collector; and
        (5) a statement that, upon the consumer's written request
      within the thirty-day period, the debt collector will provide the
      consumer with the name and address of the original creditor, if
      different from the current creditor.
    (b) Disputed debts
      If the consumer notifies the debt collector in writing within the
    thirty-day period described in subsection (a) of this section that
    the debt, or any portion thereof, is disputed, or that the consumer
    requests the name and address of the original creditor, the debt
    collector shall cease collection of the debt, or any disputed
    portion thereof, until the debt collector obtains verification of
    the debt or a copy of a judgment, or the name and address of the
    original creditor, and a copy of such verification or judgment, or
    name and address of the original creditor, is mailed to the
    consumer by the debt collector. Collection activities and
    communications that do not otherwise violate this subchapter may
    continue during the 30-day period referred to in subsection (a)
    unless the consumer has notified the debt collector in writing that
    the debt, or any portion of the debt, is disputed or that the
    consumer requests the name and address of the original creditor.
    Any collection activities and communication during the 30-day
    period may not overshadow or be inconsistent with the disclosure of
    the consumer's right to dispute the debt or request the name and
    address of the original creditor.
    (c) Admission of liability
      The failure of a consumer to dispute the validity of a debt under
    this section may not be construed by any court as an admission of
    liability by the consumer.
    (d) Legal pleadings
      A communication in the form of a formal pleading in a civil
    action shall not be treated as an initial communication for
    purposes of subsection (a).
    (e) Notice provisions
      The sending or delivery of any form or notice which does not
    relate to the collection of a debt and is expressly required by
    title 26, title V of Gramm-Leach-Bliley Act [15 U.S.C. 6801 et
    seq.], or any provision of Federal or State law relating to notice
    of data security breach or privacy, or any regulation prescribed
    under any such provision of law, shall not be treated as an initial
    communication in connection with debt collection for purposes of
    this section.