If your collection agency fails to send you an adequate proof of your legal obligation to pay a debt, then you might write them a letter.

Company:
Address:

Date:

Re: Account no

Dear Sir/Madam,

This letter is to dispute the account referred to above. There is a serious misunderstanding with the collection agency. While you are able to verify my debt, no number of requests or in-personal contacts with the agency could get them validate the same. This is really strange! The debt is not mine.

According to FCRA you are required to verify the validity within 30 days. It also states that if you cannot do the same the disputed item should be deleted from my credit report in right earnest. The debt was not verified accurately. I will be forced to take legal action if you do not comply with the law. You will be forced to pay damages and declaratory relief under the norms.

I am not in favor of the litigation process to get my redress, but nonetheless I would have to sue just the same.

I am enclosing herewith the copies of my request for validation to the collecting agency and the receipts with my signature. I hope this matter is resolved without further hassles

Thanks,
Sincerely,

Your Signature
Your Name
Your Address