What information is required in a "validation of debt" notice?

The requirement for a "validation of debt" notice is specifically outlined under the Fair Debt Collection Practices Act (FDCPA). This regulation mandates that debt collectors provide certain essential information to consumers when they are notified of a debt. The correct information that must be included is the amount of the debt and the name of the creditor to whom it is owed. This is crucial for consumers to understand exactly what debt is being referenced and whom they must contact regarding this obligation.

By providing the amount and the creditor, consumers are enabled to verify the debt's accuracy and take informed actions. This requirement ensures transparency in the collection process and protects consumers from misleading or erroneous claims of owed money.

The other options do not fulfill this regulatory requirement. Total interest rates or personal information regarding friends and family of the debtor is not relevant to the validation of the debt and would not help the debtor in confirming the legitimacy of the debt. Payment history might provide context in some cases but is also not a mandated element of a validation notice as defined by law.