Skip to content
Credit Help

Free tool / Report errors

Free dispute and debt validation letter builder

Fill in the details from your notice or your report and get a letter to print or send. It runs in your browser; nothing you type is sent anywhere.

Reviewed by Jake Lawrence on 4 sources1 min read

Build your letter

Runs in your browser. Nothing you type is sent or saved.

You
The collector
What the letter asks

8 details still to fill in, marked in the letter.

[Your full name]
[Your street address, city, state and ZIP]

[Date]

[Debt collector's name]
[Debt collector's address, from their letter]

Re: Reference number [Reference number]

To whom it may concern:

I am writing about the debt you are trying to collect under reference number [Reference number]. I dispute this debt. Under section 809(b) of the Fair Debt Collection Practices Act (15 U.S.C. 1692g(b)), I request verification of the debt. If this letter reaches you within the 30-day validation period, the law requires you to stop collecting the debt until you mail me that verification.

Please send me, in writing:
- The amount of the debt and how it was calculated, including any interest and fees added since the account was opened.
- Documents showing that I owe it, such as the signed agreement or the original creditor's account statements.
- The name and address of the original creditor.
- Your license to collect debts in my state, if my state requires one.

This letter is not an acknowledgment that I owe this debt. I am keeping a copy of this letter and proof of the date I mailed it.

Sincerely,

[Your full name]

Which letter you need

How to send it

  1. Read the whole letter. Delete anything that is not true for you; a letter that claims too much is easier to dismiss.
  2. Sign it and keep a copy.
  3. Send copies of supporting documents, never originals.
  4. Mail it by certified mail with a return receipt, so you can prove when it arrived. The date it arrives starts the bureau's 30 days.

What this builder does not do

It does not ask for your Social Security number or date of birth; the bureau's own dispute form asks for what it needs to find your file. It does not know the facts of your case, and a letter is not legal advice. If you have been sued, read what to do if you are sued first: a letter does not answer a lawsuit.

Sources

  1. CFPB: How do I dispute an error on my credit report?consumerfinance.gov accessed 2026-10-24
  2. 15 U.S.C. 1681i, procedure in case of disputed accuracy (Cornell LII)law.cornell.edu accessed 2026-10-24
  3. 15 U.S.C. 1692g, validation of debts (Cornell LII)law.cornell.edu accessed 2026-10-24
  4. CFPB: 12 CFR 1006.34, the validation noticeconsumerfinance.gov accessed 2026-10-24

How this page was made

This page was drafted with a language model from the sources listed above. Jake Lawrence read it against those sources and signed it on October 24, 2026.

Legal information, not legal advice. Nothing here answers one reader's specific situation; state law can add to every rule above.

Found an error? See Corrections.

Free dispute and debt validation letter builder | Credit Help