Letter disputing a debt with a collector
A printable from Credit Report and Debt Collectors. Fill it in by hand. Nothing you write is collected by this website.
Letter disputing a debt with a collector
Date: ____________
To: [collector's name and address, from the validation notice]
Re: account or reference number ____________
I received your notice dated ____________. I dispute this debt. [Choose: I do not recognize it. / I do not owe this amount. / I already paid it.]
Please send me verification of the debt and the name and address of the original creditor. Until you do, please stop collection, as federal rules require.
[Optional: Please contact me only in writing at the address below.]
My name: ____________ My mailing address: ____________
Signature: ____________
Send before the dispute date on the notice. Use certified mail if you can. Do not include your bank details. Do not write anything about your immigration status.
From Credit Report and Debt Collectors. Facts checked October 21, 2026. Free information, not legal or medical advice.