SAMPLE LETTER TO INFORM COLLECTION AGENCY OF DEBT ERROR
SEND VIA CERTIFIED MAIL—RETURN RECEIPT REQUESTED

Name of Collection Agency:
Address:
City, State, Zip:

Date

Your Name:
Address:
City, State, Zip:
Last four digits of SSN:

Re: File # (put collection agency's file number for the debt here, if applicable)

To (Collection Agency):

Your agency has repeatedly called me, leaving a message that I should contact you at the number you provided. [If applicable -- I have called and spoken to one of your associates and explained (and provided proof) as to why this debt is not owning and that reason is because ______________.

OR

who verified that I was not the person from whom you are attempting to collect the debt. (S)he stated that the account associated with my number belongs to a person with the name of "_______". I advised the associate that I did not wish to be contacted about this other person’s debt, and (s)he said she would handle my request.

However, since that time, your company has failed to correct the problem and has also repeatedly called me leaving the same message.

Pursuant to my rights under the Fair Debt Collection Practices Act ("FDCPA") I, ________________________expressly direct you and your company, TO NEVER AGAIN CONTACT ME BY TELEPHONE neither at work or home. Furthermore, you and your company are expressly directed not to contact my neighbors, friends, acquaintances, employer or any relative of mine regarding me or the above-referenced account.

ALL FURTHER BUSINESS WITH ME MUST BE DIRECTED THROUGH WRITTEN CORRESPONDENCE TO ME AT THE ABOVE-STATED ADDRESS.

If your company still believes that I am responsible for this debt, please send me all applicable documents to prove your claim. Otherwise, I consider this matter closed and am under the assumption that this erroneous account will not be posted to my credit report.

If you do not comply with the directions in this letter, I intend to file a complaint against you and your company with the Federal Trade Commission ("FTC") and pursue my legal rights to the full extent under the FDCPA.

If you do not comply with my request, I will file a complaint against you and your company with the Federal Trade Commission and will prosecute to the full extent of the Fair Debt Collection Practices Act.

Sincerely,

________________