How to Write a Dispute Letter to a Collection Agency

If you have received a collections notice from a collection agency and you think that the debt which is mentioned in it is not accurate or it is not yours at all, you may write a dispute letter to the agency to contest the debt. According to the Fair Debt Collection Practices Act, you have got the official right to submit a disputer letter to the debt collection agency.

Writing a dispute letter is not much difficult. However, you have to keep in mind few things in order to write an effective letter to the agency.


  • 1

    First of all, you have to verify your debt and the collection agency which has sent you the letter. You can confirm it by accessing your credit report which you can see on the website of any credit reporting agency e.g. Experian, Trans Union and Equifax. The credit bureaus will verify your debts and will send you a report.

  • 2

    After getting your credit report, you have to match the debt list with the debt which has been mentioned in your letter which you received from collection debt. If you see that there is a difference between the amounts of your debt in the report and the debt which has been mentioned in the letter or you have already paid the debt to your respective creditor. You can write a letter to the agency to contest for your debt.

  • 3

    You have to write a letter on a good quality paper. Use a business letter format. Write your address and date on the top right corner of the page and on the next line mention the name and address of the agency. You should use a colon instead of comma after mentioning the recipient. Don’t forget to add reference of Fair Debt Collection Practices Act section 809(b) on your letter.

  • 4

    You have to add all the details about your debt in the letter. If you have already paid off your debt, mention it with the date or if the amount of the debt is not accurate, mention the right amount with the proper reference from your credit report.

  • 5

    Attach a copy of your bank statement and credit report with the letter to substantiate your stance. If there is an account number mentioned in your collection letter, you have to include it in your dispute letter as well.

  • 6

    In the end, mention your name and sign underneath it.

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