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This letter was created by the CFPB as an aid to debt collectors. From the CFPB website:
"Communicating with debt collectors
In addition to using the validation information to follow up with the debt collector, you can use these sample letters to communicate with them:
- I do not owe this debt.
- I need more information about this debt.
- I want the debt collector to stop contacting me.
- I want the debt collector to only contact me through my lawyer.
- I want to specify how the debt collector can contact me.
If you use any of these letters, it’s important to do so as soon as possible after the debt collector first contacts you, and to keep copies of any letters you send and any other communications. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need. Note: These sample letters are not legal advice.
If it is not your debt or you already paid it, providing documentation can also help your dispute. Ask the debt collector for any evidence they have that indicates you are the correct debtor and what they are relying on to calculate the amount due. You can also notify the debt collector in writing to stop communicating with you."
