The Law That Protects You
Under 15 U.S.C. § 1692g, a written dispute requires the collector to verify the debt before proceeding. If identity theft is involved, FCRA § 1681c-2 requires credit bureaus to block fraudulent account information.
When to Use This Letter
You don't recognize the creditor or debt at all
You believe you may be a victim of identity theft
You already paid this debt and are being pursued again
The debt belongs to someone with a similar name
What This Letter Does
Formally disputes the debt in its entirety under FDCPA § 1692g
Demands the original signed agreement or application proving the debt is yours
Invokes FCRA protections if the debt is on your credit report
Puts the collector on notice of identity theft if applicable
Demands complete chain-of-title documentation
Generate This Letter
Complete the 5-step wizard and get a professionally formatted PDF citing the exact law for your jurisdiction.
Generate My Letter — $12.99Check SOL — FreePreview is always free. Pay to download PDF.
DebtDispute provides document preparation assistance and is not a law firm. This does not constitute legal advice. Consult a licensed attorney for legal counsel.