• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Debt The Complete Guide to Disputing Collections: How to Dispute Your Debt (And Win)

The Complete Guide to Disputing Collections: How to Dispute Your Debt (And Win)

Two people playing tug of war with a bag labeled collections

At a glance

If debt collectors are asking you to pay a debt, then you have the right to dispute the collection account by sending them a debt verification letter.

Speak with our credit specialists today and start your path towards a better credit score.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by Victoria Scanlon

Reviewed by Robert Jellison

Jun 9, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Every day, many Americans get phone calls from debt collectors over debts they don’t owe and sometimes don’t even recognize. In fact, in 2017, the Consumer Financial Protection Bureau found that 53% of people contacted by debt collectors either didn’t owe the debt in question or were asked to pay the wrong amount. 1

If this sounds like the situation you’re in right now, you’ll be happy to know that you have the right to fight back against debt collectors. We’ll give you all the tools and resources you need to dispute collections and win.

Table of Contents

  1. Understanding your right to dispute collections
  2. How to dispute a collection account in 4 steps
  3. How to file a credit dispute to get collections off your credit report
  4. How to know when disputing collections is the right move
  5. Mistakes to avoid when dealing with debt collectors

Understanding your right to dispute collections

You have the right to dispute any debt that a third-party debt collector asks you to pay. This right is guaranteed by the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers like you from debt collector harassment and unfair, aggressive, or deceptive debt collection activities.

One of your main rights under the FDCPA is the right to dispute a debt within 30 days of your debt collector sending you a debt validation notice—one of the first communications they have to send you.

How debt validation works under the FDCPA

Debt collectors are required to provide you with information about your debt (known as debt validation) within 5 days of first contacting you. 2

In their debt validation letter, debt collectors must include key information about your debt, such as who it originally belonged to before it was sent to collections. They also must inform you of your rights when it comes to disputing the debt: 3

  • If you don’t dispute the debt within 30 days, the debt collector will assume the debt is valid.
  • If you do dispute the debt in writing within 30 days, the debt collector must stop trying to collect payments until they’ve provided you with verification of the debt.
  • The debt collector must give you the name and address of the original creditor (if different from the debt’s current owner) if you request that information within 30 days.

If it’s been more than 30 days since you received notification that the debt was sent to collections, then don’t worry—you can still dispute the debt. However, your debt collectors won’t be obligated to stop calling you or respond to your dispute (though they might do so anyway).

Fight back against abusive or fraudulent debt collectors

If a debt collector violates your rights, make sure to stand up for yourself. You can sue them, file a complaint with the Consumer Financial Protection Bureau, and/or report them to your state attorney general or the Federal Trade Commission (FTC).

How to dispute a collection account in 4 steps

There are four things you need to do to dispute a debt in collections. If you follow these steps successfully, not only will your debt collector have to stop pursuing you for the debt, they’ll also have to remove the collection account from your credit report (which will benefit your credit score).

Follow these steps:

1. Find out who owns your debt

Before you do anything else, find out who your debt collector is. Old debts are often transferred from one debt collection agency to another, so keeping track can be difficult.

Figuring out which company you’re dealing with also helps you confirm whether your debt collector is legit. Unfortunately, debt collection scams are common, and making sure that you’re not being targeted by fraudsters is important for protecting your credit and identity.

Here’s what you can do to verify that debt collector calling you is the one you actually owe:

  • Contact your original creditor and ask who they transferred your debt to
  • Review your credit reports
  • Check your caller ID when they call you
  • Check what name they provide on letters addressed to you

You can also search the debt collector in this comprehensive list of major debt collection agencies to find out more information about them, including their contact information so that you can send in your dispute.

2. Gather evidence

To make sure that your dispute is taken seriously and not dismissed as “frivolous,” you’ll need to provide hard evidence proving the debt is invalid.

The documents you’ll need depend on why you’re disputing the debt:

  • You’ve already paid it: If the debt is real but you believe you already paid it off, provide account statements from your creditor and transaction records proving you paid it.
  • The debt is fraudulent: Provide a police or fraud report showing that the charges are the result of identity theft.
  • The debt belongs to someone else: Send records showing that you’re not the debtor (e.g., showing differences in name, date of birth, address, etc).
  • The debt was covered by insurance: Attach payment records from your insurance company if you’re dealing with medical bills in collections that were sent to collections even though your insurance covered them.

More is always better when it comes to disputing a debt, so gather as much documentation as you can.

3. Send a debt verification letter to your debt collectors

The most important step in disputing collections is sending a debt dispute letter, also known as a debt verification letter, to the debt collection agency handling your debt.

If you received a debt validation letter by mail, then it should have included a “tear-off” slip for disputing the collection account. If not, then you can just use a debt dispute letter template (provided below).

Debt Verification Letter Template

Debt Verification Letter

Use this debt verification letter template if a debt collection agency has contacted you about a debt and you want to dispute it. The debt collection agency is obligated to respond to your letter with verification of the debt.

Build My Letter Now PDF Word

When mailing your dispute letter, be sure to include your supporting documentation and request a return receipt so that you have proof of delivery.

You may also be able to dispute the debt on the agency’s website or over the phone, but doing it in writing (and by certified mail) is the best way to ensure that your rights are protected under the FDCPA and that the debt collection agency can’t claim that they never received notice of your dispute. As a rule, you always want to create as much of a paper trail as possible.

4. Wait for a response

Once you’ve sent your debt collection dispute letter, all you need to do is wait for a response. The debt collection agency will be required under the FDCPA to stop all collection efforts until they’ve provided you with proof that you owe the debt. 2

If they never respond, it probably means that they couldn’t verify your debt. In this case, you’ve successfully disputed your collections and won.

However, it’s important that you also check all three of your credit reports (which you can do for free at AnnualCreditReport.com) to ensure that the debt collection agency has stopped reporting the debt to the credit bureaus. If they haven’t, then you may need to take additional steps to get the collection account deleted from your credit reports (described below).

How to file a credit dispute to get collections off your credit report

Debt collection agencies aren’t always cooperative, which means that disputing your debt might not be enough to get the collection account removed from your credit report—even if your dispute is clearly legitimate.

If the collector refuses to remove the collection account from your credit report, you’ll need to take your own steps to remove the negative mark by contacting the credit bureaus (Experian, Equifax, and TransUnion), which are the companies that produce your credit reports.

Disputing items with the credit bureaus

Just as the FDCPA guarantees your right to dispute collections with debt collectors, another federal law (called the Fair Credit Reporting Act, or FCRA) guarantees your right to dispute any item on your credit report with the credit bureaus.

To get the collection removed from your credit reports, you’ll need to send the credit bureaus a separate credit dispute letter using the template below (or a sample dispute letter for medical collections if you’re disputing medical bills).

Credit dispute letter to credit bureau

Credit Dispute Letter to a Credit Bureau

Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. Mistakes in your personal information (e.g., an incorrect address), as well as credit accounts that you don't recognize, should usually be disputed with the bureaus. Often they're the result of the bureau confusing you for someone else.

Build My Letter Now PDF Word

The credit bureaus will have 30–45 days to respond to your dispute. 4 If you provide them with enough evidence that the debt isn’t yours or they can’t confirm it’s valid, then they’ll automatically erase the collections from your credit report.

In your letter, make sure to note that you disputed the debt with the collection agency (per your rights under the FDCPA) and they either accepted your dispute or failed to respond. This will strengthen your case.

How to know when disputing collections is the right move

You can dispute any debt in collections at any time. Technically, you can dispute a debt even if you actually do owe it—your odds of success aren’t great, but disputing it doesn’t have any real downsides.

Disputing a debt in collections won’t cost you any money, get you into any legal trouble, or hurt your credit score. It’ll also put the brakes on your collector’s efforts to pursue you for the money (at least for a little while), and there’s always a chance they lost your paperwork and will have to give in.

The upshot is that disputing a debt in collections is never a bad move. However, there are some circumstances where it’s not just a good idea—it’s practically necessary.

Below are some examples of situations in which you should definitely dispute your collections.

You don’t recognize the debt

If a debt collection agency contacts you about a debt, you might not recognize the agency’s name because in many cases they’re just working for your original creditor (the company, person, or organization you owed money to in the first place).

However, if the agency gives you details about who your original creditor was and the debt still doesn’t ring any bells, then this could be a sign that the debt doesn’t belong to you.

Unfortunately, mistakes happen all the time in the world of debt collection. If debt collectors have confused you for someone else, it’s important to dispute the debt ASAP so that they’re aware of their error and don’t take legal action against you.

The debt was sent to collections by mistake

It’s possible that your creditor made a clerical error and sent your debt to collections before it was overdue. Alternatively, maybe your debt was previously in collections but you already paid it off.

Disputing these types of errors could help you get back in good standing with your creditor and spare your credit from major damage.

You’re a victim of identity theft

If debt collectors are contacting you about accounts opened in your name but you don’t recognize them, then it’s possible that you’ve been targeted by identity theft.

In this case, it’s very important to dispute the debt with your debt collectors, original creditor, and the credit reporting agencies to set the record straight and clear your credit file.

Before you dispute the debt, file a police report and identity theft report with the FTC. Include copies of the reports when you send your dispute letters.

How to deal with time-barred debts

If you’re asked to pay a debt that’s too old to be legally collected (i.e., it’s past the statute of limitations on debt), then you can’t be forced to pay it. In this case, instead of disputing the time-barred debt, you can send the debt collectors a written request to stop all communications with you, and they’ll have to comply. 2

Mistakes to avoid when dealing with debt collectors

Debt collection can be tricky, legally speaking. Make sure you know what not to say to debt collectors so that you don’t accidentally sabotage your efforts when disputing a collection account.

Here are a few things you should avoid at all costs:

  • Acknowledging that the debt is yours
  • Agreeing to pay the debt
  • Making a partial payment on an old debt
  • Providing additional contact information

To avoid saying anything you shouldn’t, it’s best to keep all your communications with your debt collector in writing if you possibly can. This also creates a paper trail, which will be very useful if your debt collector tries to violate your rights and your dispute ends up in the courtroom.

Takeaway: To dispute collections, send your debt collector a debt verification letter asking for proof that you owe the debt.

  • Your right to dispute debts in collection is guaranteed by a federal law known as the Fair Debt Collection Practices Act (FDCPA).
  • To protect your rights under the FDCPA, you must dispute collections in writing within 30 days of receiving notification that your debt was sent to collections.
  • To dispute your debt, identify your debt collector, gather evidence that you don’t owe the debt, and send a debt verification letter to the debt collector.
  • Good reasons to dispute collections include if the debt isn’t yours, it was mistakenly sent to collections, you already paid it, the amount is wrong, or your identity was stolen.
  • When dealing with debt collectors, be careful not to acknowledge that you owe the debt, agree to making any payments, or provide them with additional means of contacting you.

Article Sources

  1. Consumer Financial Protection Bureau. "CFPB Survey Finds Over One-In-Four Consumers Contacted By Debt Collectors Feel Threatened" Retrieved June 9, 2022.
  2. Federal Trade Commission. "Fair Debt Collection Practices Act" Retrieved June 9, 2022.
  3. Consumer Financial Protection Bureau. "What is a debt collection validation notice?" Retrieved June 9, 2022.
  4. Consumer Financial Protection Bureau. "If a credit reporting error is corrected, how long will it take before I find out the results?" Retrieved June 9, 2022.

Victoria Scanlon

Credit & Finance Editor

View Author

Victoria Scanlon is a professional writer, editor, and researcher for FinanceJar. She has experience editing research for publication in academic journals and writing educational content. Her goal is to help non-experts better understand topics related to personal finance and credit repair so that they can make more-informed financial decisions.

Related Articles

Hand grabbing the best credit card of many credit cards for bad credit
Credit Cards

Updated Oct 17, 2022

9 Best Credit Cards for Bad Credit in May 2025

If you're looking for a credit card but you have bad or damaged...

Kari Dearie
Hand grabbing the best credit card of many credit cards for no credit
Credit Cards

Updated Oct 17, 2022

Best Credit Cards for No Credit History in May 2025

For people with little to no credit history, securing a credit card...

Zachary Vickers
Bad-Credit Credit Cards with High Limits
Credit Cards

Updated Oct 17, 2022

9 Best Bad-Credit Credit Cards with High Limits in May 2025

If you have bad credit, finding a credit card with a high credit...

Kari Dearie
an image of a hand grabbing a black secured credit card with a padlock symbol on it
Credit Cards

Updated Oct 17, 2022

Best Secured Credit Cards in May 2025

If you have a bad credit score, secured credit cards offer access...

Zachary Vickers
Debt Verification Letter Template
Debt

Jan 6, 2022

Debt Verification Letter Template: Free Download & How to Write

If a debt collection agency contacts you about a debt, you can send...

Jessica Norris
Guaranteed Approval Credit Cards for Bad Credit
Credit Cards

Updated Oct 26, 2022

Guaranteed Approval Credit Cards for Bad Credit in May 2025

Even borrowers with no credit, bad credit, or bankruptcies in their...

Kari Dearie
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.