HTML Preview Collection Dispute Letter page number 1.
Your Name
Your Street Address
City, State ZIP Code
Date___________________
CERTIFICATE OF MAILING
Collection Agency’s Name
Collection Agency’s Address
City, State ZIP Code
Re: Name of company to which you owe money; Account Number
Dear Sir/Madam:
I am disputing the above-referenced debt. Please verify this debt as required by
the Fair Debt Collection Practices Act (FDCPA) (section 1692g) and New York
City Administrative Code (section 20-493.2). New York City regulations
require all debt collectors to send specific written documentation verifying
the debt. Under section 2-190 of the Rules of the City of New York, verifica-
tion requires all of the following:
Proof of my agreement to pay the original creditor;
A copy of the final account statement issued by the original creditor;
A breakdown of the total amount due, showing principal, interest, and
other charges; and
For all other charges, the date of and basis for each charge.
I dispute this debt because
Because I am disputing this debt, you should not report it to the credit reporting
agencies. If you have already reported it, please notify the credit reporting agen-
cies that the debt is disputed and/or delete the tradeline from my credit report.
Reporting information that you know to be inaccurate, or failing to report infor-
mation correctly, violates the FDCPA and the Fair Credit Reporting Act.
Aside from verifying the debt, do not contact me about this debt. The FDCPA
and Rules of the City of New York (section 5-77) require that you honor this
request. Thank you.
Sincerely,
_____________________
(Your name and signature)
cc: (Insert Name of Company)
Consumer Financial Protection Bureau
New York City Department of Consumer Affairs
Make sure to mail your letter with
a certificate of mailing and keep
the proof of mailing for your records.
Explain why you are disputing the
debt. Here are a few reasons why
you would dispute a debt:
(1) You do not owe the debt;
(2) You do not recognize the debt;
(3) You are a victim of identity theft;
(4) The debt has been paid;
(5) You never received the item or
service for which you were charged;
(6) The debt is past the statute of
limitations (too old).
SAMPLE DEBT COLLECTION DISPUTE LETTER (NYC)
New York City residents can use this letter to dispute a debt, to verify a debt
under NYC law, and to tell a collector to stop contacting them.
Send the original letter to the
collection agency. You should
make at least one copy of the letter to
keep for your records, along with your
proof of mailing. You may also want to
send copies to the original creditor and
these agencies:
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
NYC Department of Consumer Affairs
42 Broadway
New York, NY 10004
Fill in the name of the company to
which the collection agency says
you owe money, and the account
number. If you do not know this
information, give the collection agency
some other information so that it knows
what debt you are talking about.
New Economy Project — ©2006 | All Rights Reserved
New York City Financial Justice Hotline: (212) 925-4929
http://nedap.org/resources/consumer.html
Page 2 is an electronic form of this
dispute letter, which you may fill
out and print. Please complete the letter
according to the above instructions.
You may want to attach copies of
documents that support your
dispute, such as proof of payment or a
police report.
Updated March 2014