Sample Dispute Letter to Collection Agency

Below is a sample dispute letter to a collection agency. It is a legal document and should be written as a formal business letter. 

It should be typed and printed from a computer and have accurate spelling and grammar. 

The letter can be sent by certified mail with a receipt request, so you are sure it was received by the right person. 

When the receipt request arrives, you should call the agency to make sure the letter was read and the necessary steps are being taken. The collection agency may request further documents or information.

sample dispute letter to a collection agency

Your Name
Your Address
City, State, Zip Code

DATE

Collector’s Name
Collector’s Address
City, State, Zip Code

RE: Dispute of debt on account number [NUMBER].

Dear Debt Collection Agent:

This letter is a formal dispute for the debt you have listed on my [Name of Credit Card]. According to the Fair Debt Collection Practices Act (FDCPA), I am allowed to request in writing that you validate the debt. 

I request that you provide competent evidence that I owe the debt and send me the following information:

• The amount of the debt
• Copies of documents that show I agreed to pay the debt
• The identity of the original creditor
• Proof that the Statute of Limitations has not expired on this account
• Proof that you are licensed to collect in my state
• Your license numbers and registered agent

According to the law, I am sending this letter within 30 days of [DATE] when I first received your collection notice. 

If you have unfairly reported this debt to the three major Credit Bureaus, it may constitute fraud. Please validate the debt or remove it from my credit report at all three bureaus.

You may not add any fees or interest to the debt unless it is specified by state law or the original contract. 

If you continue to try to collect this debt without giving proper validation, you will be violating the FDCPA. If you do not own this debt, please send a copy of this letter to the original creditor.

I can be reached at [Phone Number] or at [Email Address]. I expect to hear from you in writing within five days.

Sincerely,

Your Signature
Your Printed Name

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