Collection and Charge-Off Account Dispute Letters

1. Please note that if the account has been written off and sent to a collection agency, don’t dispute late payments but rather follow the dispute process highlighted in the Collection category.
2. When sending letters to credit bureaus, always include a photocopy of your driver’s license, state-issued ID, or U.S. passport and a copy of your social security card, pay stub, W-2, or a recent utility bill. Only 2 forms of ID are required. As long as you have your name at the close of the letter, there is no requirement that you sign it.
3. You are NOT required to send proof of identity to creditors and collectors and we do not recommend signing the dispute letter.
4. Do not copy these letters without making significant modifications. You will need to tailor the wording of each letter to fit your individual situation. These sample letters are meant to give you ideas on how to structure your own credit dispute letters.

Your Full Name
Address 
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I’ve just reviewed my credit report and noticed the following inaccurate item(s):

LVNVFUNDG with account number 123456789****
I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.

NCB with account number 54321**

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number.

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

This letter is in response to your recent claim that the account(s) listed below have been “verified” and that the information they are reporting under my name is accurate.

LVNVFUNDG with account number 123456789****
I previously disputed this account. I don’t agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information.

NCB with account number 54321**

I previously disputed this account. I don’t agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen (15) days of the completion of your investigation.

Sincerely,
Your Name

Your Full Name
Address
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

This letter is my final communication regarding your claim that the information below has been “verified” and that the information being reported by the furnishers is accurate.

LVNVFUNDG with account number 123456789****
NCB with account number 54321**

I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher(s).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611(a)(7).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for “negligent non-compliance”. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Sincerely,
Your Name

Your Full Name
Address 
City, State, ZIP

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

This letter is a follow-up to my earlier communication about the following item(s) being reported on the credit file listed under my name and Social Security Number:

LVNVFUNDG with account number 123456789****
I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was “verified.” I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations.

Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed.

Sincerely,
Your Name

Your Full Name
Address 
City, State, ZIP

Creditor
Address
City, State, ZIP

To Whom It May Concern:

I am sending this letter to you in response to a collection notice I received from you on (date letter received). A copy is attached to this letter.

Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code § 1692g that your claim is disputed and validation is requested. 

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number(s):

Account Number: xxxxxxxxx

Please provide me with the following:

1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.
2. The agreement bearing my signature stating that I have agreed to assume the debt
3. Valid copies of the debt agreement stating the amount of the debt and interest charges
4. Proof that the Statute of Limitations in (Your State) has not expired
5. Complete payment history on this account along with an accounting of all additional charges being assessed
6. Proof that you are licensed to collect in my state; and
7. Your license numbers and Registered Agent or Agent of Service.

If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account – if any exist – must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

This will also serve as your legal notice under the federal Fair Debt Collection Practices Act (FDCPA), to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt.

This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge.

All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Sincerely,
Your Name

Your Full Name
Address 
City, State, ZIP

Creditor
Address
City, State, ZIP

To Whom It May Concern:

This is concerning 
Account Number: xxxxxxxxx

. 

I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was a copy of alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines.

The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation.

This is my second request. Please provide me with ALL of the following points of information:

1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.
2. The agreement bearing my signature stating that I have agreed to assume the debt
3. Valid copies of the debt agreement stating the amount of the debt and interest charges
4. Proof that the Statute of Limitations in (Your State ) has not expired
5. Complete payment history on this account along with an accounting of all additional charges being assessed
6. Proof that you are licensed to collect in my state; and
7. Your license numbers and Registered Agent or Agent of Service.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of $1000, plus actual damages and attorney’s fees, which I may collect from you by bringing this issue before a judge.

I intend to take all legal steps available to me if I do not hear back from you.

Sincerely,
Your Name

Your Full Name
Address 
City, State, ZIP

SSN: xxx-xx-xxxx | DOB: xx/xx/xxxx

Credit Bureau
Address
City, State, ZIP

To Whom It May Concern:

I am writing to dispute the account referenced below.

FIRST PREMIER with account number 123456789102****

I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.

I have enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. I was provided no evidence of validation and/or my obligation to pay this debt to this collection agency.

The FCRA requires you to provide verification of disputed accounts within 30 days. If the verification cannot be correctly and lawfully completed, you are required by law to remove the disputed item.

I demand that you VERIFY this information and provide me with copies of any documentation associated with any disputed account bearing my signature. In the absence of any such documentation bearing my signature, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for “negligent non-compliance”. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Sincerely,
Your Name