You can use the I do not owe this debt sample letter from the Consumer Financial Protection Bureau CFPB if you believe the debt is not yours.

Sample letter of debt dispute. Because I am disputing this debt you should not report it. Dept Dispute Letter Sample. Although it is possible to customize any letter to suit your personal needs at a minimum this document should identify you by your name and address and request the name of the original creditor the debt details and any documentation that proves you actually owe money.

If you need more information you can use the I need more information about this debt form. Contact us for advice before using this letter. Please verify the debt as required by the Fair Debt Collection Practices Act.

Initial Debt Collection Dispute Letter Todays Date Your Name Your Address Collectors Name Collectors Address Dear insert name of collector or company I am writing in response to your letter or phone call dated insert date copy enclosed because I do not believe I owe what you say I owe. Debt Validation Example Letters. First Dispute Letter Explanation.

I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt. Settling debt should be a last resort only used to help a person avoid bankruptcy or used if an account is proven to be valid after disputed. This letter is composed for the purpose of collecting debts from people.

This first example was originally a Citibank credit card with a balance of 437639. It could belong to someone else. Dispute of debt on account number NUMBER.

Your Name Your Address City State Zip Code. Notice of disputed charge to Account No. A debt letter or a letter of debt is commonly known as a letter of demand.