When a debt collection agency contacts you about a past-due balance, the debt may not actually be yours. Federal law gives you 30 days to request that the collection agency validate your debt ...

A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 ...

If the debt collector cannot prove that you owe the debt and continues with debt collection activity, calls, letters, and credit reporting, you can file a complaint with the CFPB and also dispute ...

If you do not send a dispute letter within 30 days, the collection agency can assume it’s a valid debt. » LEARN: ... but you do have rights for disputing a debt collection.

The bottom line. Don't ignore collection accounts you don't owe. They won't go away on their own and can seriously damage your credit score. It's important to act quickly and dispute incorrect ...

A debt verification letter is the same thing as a debt dispute letter. The Consumer Financial Protection Bureau offers templates you can use to create one. In this letter, you should include: ...

Sample debt collection letter. John Creditor Doe. John Creditor Doe’s address. April 1, 2021. RE: Overdue payment. Dear John Creditor Doe, ... If you would like to dispute this debt, ...

This letter should include your name, the debt amount, the delinquent account and your consumer rights regarding debt collection. It’s essential you pay close attention to the validation letter ...

When disputing wrongful collections, the debt relief company will conduct a thorough review of your credit reports and collection documentation to identify potential legal violations by the collector.

I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by {name of the collection agency or original creditor} for me, {your name ...

If you don’t respond with your own letter within 30 days requesting further validation or disputing the debt, you’re effectively admitting that you owe the alleged debt.