Dispute Template Letter

<Your Name>
<Your Address>
<Your City, State, Zip Code>
<Collection Agency’s Name>
<Collection Agency’s Address>
<Collection Agency’s City, State, Zip Code>


Re: Account Number <XXXXXXXXXXX>

Dear <Collector’s Name>,

I am writing in response to your letter or phone call dated __________________. I do not believe that I owe this debt or what you say I owe. Please cease and desist all phone calls to attempt to collect this debt.

Pursuant to the Fair Debt Collection Practices Act, Section 809(b), Validating Debts:

  • “If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.”

I respectfully request that you provide me with the following:

  • 1. the amount of the debt;
  • 2. the name of the creditor to whom the debt is owed;
  • 3. verification or copy of any judgment (if applicable);
  • 4. proof that you are licensed to collect debts in [your state];
  • 5. proof of the last payment made on the account.

Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to press my claims for any violations of the law.

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.


<Your Name>

<Your Address>
<Your City, State, Zip Code>