Sample letter of a debt verification request If you’re unsure what information you should include to a collection agency, the CFPB provides multiple free debt validation letter templates you can ...

A letter sent to collect a time-barred debt that makes a settlement offer can, even without a threat of legal action, violate the Fair Debt Collection Practices Act's (FDCPA) general prohibition ...

Verify the debt and the collection agency. Go to each credit reporting agency's --Equifax, Experian, and Trans Union--website and navigate to their dispute page and file a dispute request.