What document must be provided to consumers upon request regarding their debt?

In the context of debt collection practices, the correct requirement is that consumers must be provided with proof of the debt from the collector upon request. This documentation typically includes information such as the amount owed, details about the original creditor, and any relevant account numbers.

This requirement exists to ensure transparency and to protect consumers from being pursued for debts they may not owe or are unaware of. When a consumer requests verification of a debt, the collector has an obligation to provide this proof to substantiate their claims. This process is governed by laws such as the Fair Debt Collection Practices Act (FDCPA), which was established to safeguard consumers against abusive practices in debt collection.

Providing proof of the debt fosters trust and allows consumers to validate the legitimacy of the collection effort. In contrast, a written agreement or a list of all other debts does not specifically address the need for validation of the contested debt, and merely relying on verbal communication would not meet the legal standards for debt verification.