Collection Agency Debt Dispute Letter Template

Dear [Collection Agency Name],

I am writing to formally dispute the debt referenced in your recent communication, account number [Account Number]. Please note that this letter is a formal request for verification of the debt in accordance with the Fair Debt Collection Practices Act (FDCPA).

1. Verification Request: I request that you provide detailed documentation to validate the debt you claim I owe. This should include the original creditor's name, the amount of the debt, and the evidence of my responsibility for the debt. Without this verification, you must cease all collection activities as required by law.

2. Account Information: Please provide a complete history of the account, including all payments made and any adjustments applied. This will help me understand the current balance and the accuracy of the debt.

3. Legal Rights: Under the FDCPA, I have the right to request validation of this debt within 30 days of receiving your initial communication. I expect your prompt compliance with this request. If you are unable to provide the necessary documentation, you must cease collection efforts and notify the credit bureaus to remove any negative reporting related to this account.

4. Contact Information: All correspondence related to this dispute should be sent to my address at [Your Address]. Please do not contact me by phone as I prefer written communication for record-keeping purposes.

5. Dispute Resolution: If the dispute is not resolved to my satisfaction, I am prepared to escalate this matter to the Consumer Financial Protection Bureau (CFPB) and seek legal counsel if necessary.

Please acknowledge receipt of this letter and inform me of the next steps in resolving this dispute. Thank you for your prompt attention to this matter.

Sincerely,

[Your Full Name]
[Your Contact Information]