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A collection dispute letter is a written communication that you send to a creditor or collection agency when you believe that there is an error in your account or when you dispute a debt that has been reported to a credit bureau.
If you think that you have been unfairly charged or that your rights have been violated, you can use a collection dispute letter to explain your situation and request that the issue be resolved. In this article, we will discuss the steps you can follow to write an effective collection dispute letter.

Step 1: Identify the Issue
Before you start writing your collection dispute letter, you need to identify the issue you are disputing. You should have a clear understanding of why you believe there is an error in your account or why you dispute the debt that has been reported to a credit bureau.
Gather all the relevant information and documents that support your claim, such as billing statements, receipts, and credit reports.
Step 2: Address the Recipient
Your collection dispute letter should be addressed to the creditor or collection agency that is responsible for the debt you are disputing. Make sure to include the correct name and address of the recipient to ensure that your letter is delivered to the right person.
Step 3: State the Purpose of Your Letter
In the opening paragraph, clearly state the purpose of your collection dispute letter. Explain that you are disputing a debt or an error in your account and that you are requesting that the issue be resolved.
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Step 4: Provide Supporting Evidence
In the body of your letter, provide detailed information and supporting evidence that explains your dispute. Include any relevant details, such as the amount you believe is incorrect or the dates of the disputed transactions. You can also include any documentation that supports your claim, such as receipts, billing statements, or credit reports.
Step 5: Request a Resolution
In the closing paragraph, request a specific resolution to your dispute. For example, you may request that the debt be removed from your account or that the error be corrected. Be clear and specific about what you want, and provide a deadline for the creditor or collection agency to respond.
Step 6: Close Your Letter
In the final paragraph, thank the recipient for their attention and express your willingness to work together to resolve the issue. Sign your letter with your full name and contact information, including your address, phone number, and email address.
Step 7: Proofread Your Letter
Before sending your collection dispute letter, make sure to proofread it carefully. Check for spelling and grammar errors, and ensure that your letter is clear and concise. You may also want to have someone else read your letter to provide feedback and ensure that your message is clear.
Sample Dispute Letter to Collection Agency (Unverified Debt)
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Collection Agency Name]
[Address]
[City, State ZIP Code]
Dear Sir/Madam,
I am writing this letter to dispute a debt that has been reported by your agency to the credit bureaus. I have received a notice from your agency regarding an alleged debt of [Amount of Debt] that was owed to [Original Creditor] and was assigned to your agency for collection.
I hereby dispute this debt as I have no knowledge of it and do not recall ever having any business transactions with [Original Creditor]. I request that you provide me with the following information to validate the debt:
- Proof of the original agreement with [Original Creditor] that shows my agreement to pay the debt
- Documentation that shows the amount of the debt owed, including any interest or fees
- Proof that you are authorized to collect this debt on behalf of [Original Creditor]
In addition, I request that you cease all communication with me until you have provided me with the requested information. Any attempt to collect this debt without first providing the required documentation is a violation of the Fair Debt Collection Practices Act.
Please note that I am aware of my rights as a consumer, and I will not hesitate to take legal action if necessary. I look forward to hearing from you soon.
Sincerely,
[Your Name]
Sample Dispute Letter to Collection Agency (Inaccurate Information)
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Collection Agency Name
[Address]
[City, State ZIP Code]
Dear Sir/Madam,
I am writing this letter to dispute the accuracy of the information you have reported to the credit bureaus regarding a debt that you claim I owe.
I have received a notice from your agency regarding an alleged debt of [Amount of Debt] that was owed to [Original Creditor] and was assigned to your agency for collection.
I have reviewed my credit report and noticed that the information you have reported is inaccurate. Specifically, [Describe the inaccuracy in detail]. This inaccuracy has resulted in a negative impact on my credit score and has caused me financial harm.
I request that you investigate this matter and correct the inaccurate information you have reported to the credit bureaus. Please provide me with written confirmation once the necessary corrections have been made.
I also request that you cease all communication with me until you have provided me with the requested confirmation. Any attempt to collect this debt without first correcting the inaccurate information is a violation of the Fair Debt Collection Practices Act.
Please note that I am aware of my rights as a consumer, and I will not hesitate to take legal action if necessary. I look forward to hearing from you soon.
Sincerely,
[Your Name]
Sample Dispute Letter to Collection Agency (Identity Theft)
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Collection Agency Name]
[Address]
[City, State ZIP Code]
Dear Sir/Madam,
I am writing this letter to dispute a debt that your agency is attempting to collect that is a result of identity theft. I have received a notice from your agency regarding an alleged debt of [Amount of Debt] that was owed to [Original Creditor] and was assigned to your agency for collection.
I want to inform you that I have been a victim of identity theft and did not incur the debt in question. I request that you provide me with the following information to validate the debt:
- Proof of the original agreement with [Original Creditor] that shows my agreement to pay the debt
- Documentation that shows the amount of the debt owed, including any interest or fees
- Proof that you are authorized to collect this debt on behalf of [Original Creditor]
In addition, I have attached a copy of the Identity Theft Report I filed with the Federal Trade Commission (FTC). I request that you immediately cease all collection activities related to this debt and remove any negative information you have reported to the credit bureaus.
Please note that failure to comply with this request is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am aware of my rights as a consumer and will not hesitate to take legal action if necessary.
Thank you for your prompt attention to this matter.
Sincerely,
[Your Name]
Frequently Asked Questions (FAQs)
1. What is a dispute letter to a collection agency?
Answer: A dispute letter to a collection agency is a written statement used by a consumer to contest the validity or accuracy of a debt that has been reported by the collection agency.
2. Why should I send a dispute letter to a collection agency?
Answer: You should send a dispute letter to a collection agency to challenge any errors in your credit report, protect your rights as a consumer, and to resolve any misunderstandings regarding the debt in question.
3. What should be included in a dispute letter to a collection agency?
Answer: A dispute letter to a collection agency should include:
- Your name, address, and phone number
- The name of the collection agency and the debt in question
- A clear statement of the errors or inaccuracies you are disputing
- Any supporting documentation or evidence to back up your dispute
- A request for verification of the debt
- A request for the removal of the debt from your credit report if the dispute is found to be valid.
4. How long does the collection agency have to respond to a dispute letter?
Answer: Under the Fair Debt Collection Practices Act (FDCPA), the collection agency has 30 days to respond to a dispute letter. If they do not respond within this time frame, they are in violation of the FDCPA.
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