3 Proven Dispute Letters to Challenge Collection Agencies

These templates cover various scenarios: disputing a debt that is not yours, a debt that has been paid but is still listed as outstanding, and a debt that you believe is reported in error (e.g., incorrect amount, duplicate reporting).

Template 1: Disputing a Debt That Is Not Yours





[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Collection Agency’s Name]
[Collection Agency’s Address]
[City, State, Zip Code]

Subject: Dispute of Debt (Account Number: [Insert Account Number])

Dear [Collection Agency’s Name],

I am writing to formally dispute a debt that has been reported on my credit file under the account number referenced above. Upon reviewing my credit report, I noticed this account, which I assert is not mine. I have neither entered into any agreement that would result in this debt nor have I authorized any such transaction that this debt represents.


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According to the Fair Debt Collection Practices Act, I request a validation of this debt, including the original creditor’s name, the amount of the debt, and any documentation that links me to the obligation for this debt.

Please note that until I receive this validation, I expect you to cease all collection activities, including reporting this debt to the credit bureaus. Should this debt not belong to me, I request its immediate removal from my credit report and a written confirmation of the same.

I look forward to your prompt response to this matter.

Sincerely,

[Your Name]


Template 2: Disputing a Debt That Has Been Paid

[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Collection Agency’s Name]
[Collection Agency’s Address]
[City, State, Zip Code]

Subject: Dispute of Paid Debt (Account Number: [Insert Account Number])

Dear [Collection Agency’s Name],

I am contacting you concerning the above-mentioned account, which you claim I owe. I am disputing this claim as I have already paid this debt in full. For your reference, I have attached the necessary documentation, including payment receipts and any corresponding communication with the original creditor.

Under the Fair Debt Collection Practices Act, I request that you update your records accordingly and cease all further collection efforts. Additionally, I demand that you correct the information with all credit reporting agencies where this debt has been reported.

Please send me a written confirmation that this debt has been paid in full and that you have updated your records accordingly.

I expect a prompt resolution to this issue.

Sincerely,

[Your Name]


Template 3: Disputing an Incorrectly Reported Debt

[Your Name]
[Your Address]
[City, State, Zip Code]
[Email Address]
[Phone Number]
[Date]

[Collection Agency’s Name]
[Collection Agency’s Address]
[City, State, Zip Code]

Subject: Dispute of Incorrectly Reported Debt (Account Number: [Insert Account Number])

Dear [Collection Agency’s Name],

This letter is to notify you that I am disputing the accuracy of a debt reported under my name with your agency. According to my records and evidence, the amount you are claiming is incorrect [or] this debt appears to be duplicated on my credit report.

Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting a detailed validation of this debt, including the calculation of the amount owed and any documents that confirm my responsibility for this debt.

If this is a mistake or an error in your records, I expect a prompt correction with all credit bureaus to whom you have reported this debt. I also request written confirmation of the investigation results and a corrected statement of my account.

Please address this matter with urgency and provide a response within the statutory period.

Sincerely,

[Your Name]

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