City, State, Zip
Their city, state, zip
RE: File #…
Creditor Name… Creditor Acct #.. Amt $…
information that will assist bill collector identify which account you are writing about).
Dear bill collector:
This letter is your notice that I dispute the
above referenced debt. This is not my account (or I do not owe this balance, or whatever your reason
for disputing the validity). I request that you verify this account with all pertinent information, including the
original creditor’s identity (for situations in which the original creditor is unidentified), principal amount,
late charges, interest, and collection costs that have been assessed.
Please cease all efforts
at collection of this account until you have provided me the validation or verification information I have requested.