Debt Dispute Letter #2 (Follow-up)

It’s a good idea to follow up on your initial debt dispute letter with another letter reminding the collector of your dispute and request for validation.

Use this letter to compose your letter, but ONLY if you’ve already sent an initial dispute letter, it’s been over 30 days, and the collector failed to respond.

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Follow Up Letter Debt Collection Dispute Letter – Same Collector

Today’s Date

Your Name
Your Address

Collector’s Name
Collector’s Address

Dear Collector,

I am writing in response to your {letter or phone call} dated {insert date of the letter or phone call}, copy enclosed.

On the {insert date of initial dispute letter} I sent you a letter explaining that I do not believe I owe what you say I owe and, per the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty days described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information:

  • (1) the amount of the debt;
  • (2) the name of the creditor to whom you say I owe the debt;
  • (3) Provide a verification or copy of any judgment (if applicable);
  • (4) Proof that you are licensed to collect debts in (insert name of your state)

I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so.  Furthermore, I asked that you immediately send a copy of that dispute letter to the company (the creditor) that you say I owe money, so they are also aware of my dispute with this debt.

As of today, you have failed to respond to my requests!  For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on {insert date from mail receipt}.

Since you have failed to respond, I assume that you have been unable to validate the debt, and therefore, I consider this matter closed.  You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.

I must remind you that any attempt to collect this debt without validating it violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter.  Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission, and the national Better Business Bureau.


Signature here
Your Printed Name

IMPORTANT: Always send debt collection dispute letters by “official mail – return receipt requested” and keep a copy for your records. Also, recognize that the Fair Debt Collection Practices Act does not require collectors to respond to your dispute unless they intend to take specific actions such as pursuing court actions.

Finally, don’t be surprised if you never hear from the collector because when collectors cannot verify a debt, they usually drop the account or sell it to another collector.

Use this link if you have not sent an initial debt dispute letter