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How to write a dispute letter to a collection agency

Posted By: Carlie McKeon | June 3, 2013 | 1 Comment(s)

When writing a letter to a collection agency to dispute a debt you may or may not owe, it is important to follow a format that will be beneficial in getting you the information you want. If the letter you send is not clear, you may not receive the validation you are looking for.

An example of a dispute letter to a collection agency should look something like this:

Today’s Date:

Your Name:

Your Address:

Collector’s Name:

Collector’s Address:


Dear (Name of Collector or Agency),

I am writing this letter in response to your (letter, phone call, email) that I received on (date). I am seeking further clarification on a debt that you say I owe. I was unaware that I owed this debt and would like to receive further validation as is my right according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b).

The intent of this letter is to receive proper evident, information, and validation concerning the debt before I make any such payments.

Please provide me with the following information:

  • The amount of debt;
  • What the debt you say I owe is for;
  • Show me how

    you calculated the debt;

  • Send a copy of any files that show I knew about the debt;
  • If applicable, provide a copy of any judgment;
  • The name of the creditor to which the debt is owed;
  • Prove the Statute of Limitations has not expired on this account; and
  • Provide me with your license numbers and Registered agent as well as information that shows you are registered to collect in this state.

If any incorrect information has been reported to the credit bureaus  I resume the right to take up legal action on the account of fraud.

Upon receiving the requested information, I demand a full 30 days to review any files regarding this debt. During this time, if there is any notice made to credit bureaus that effect my credit reports, I will be obligated to take up legal action against you.

If  you cannot provide me with the requested information in the next 30 days, I expect that all information pertaining to this debt will be deleted and any report on my credit file be erased. I then ask that I receive, in writing, that the deletion action was taken.

Finally, if you do not have the right to be collecting this debt, you must immediately send a copy of this dispute letter and get in contact with the original creditor and make them aware of the dispute.

Category: Credit

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