Your Name Current Phone: (###) ###-####
Your Mailing Address
City, CA ZIP Code

Certified mail, return receipt requested

Names of Each Debt Collector Employee Involved
Name of Debt Collection Agency
address on Agency Letterhead
City, State ZIP Code

RE: File No. ###
Account No. ###
Creditor's Account No. ###
NOTICE OF DISPUTE AND REQUEST FOR VERIFICATION

To the Management of this Collection Agency and the above-noted employees:

You are notified that this account is disputed. Please verify this purported debt by providing me with copies of the following related documents: any credit applications, all authorizations to open this account, all contracts you believe that I executed, and . . . [raw][read the articles for your particular dispute, to get other ideas of documents that might be appropriate].[/raw] Note also that I intend to record any phone conversations with you. If we talk on the phone, I will assume that you are aware that I am recording and that you consent to being recorded. If you do not want to be recorded, then send me a letter instead, which I prefer anyway. Never call my work number, as my employer has a policy against personal calls, and your calls may put me at risk of being disciplined by my employer.

Your trade line for this account indicates that a $______ balance has been overdue and is now delinquent since ________ [raw][date][/raw] . This is not complete or accurate, because I do not owe this balance, because it is was ________ [use plain-English to describe the truthful reason, such as paid on _____ date, settled in full with _____, not my debt, etc.]. A copy of _______ [describe] showing this are attached [copy both sides of checks, any correspondence, prior bills, etc.] If you refuse to report this account accurately and completely, as explained, then please notify each credit reporting agency that your trade line is disputed by the consumer.

Please note in your computer records receipt of this letter and my intent to record phone calls, and inform your debt collectors, so that you first verify the debt in writing, as requested. Your prompt cooperation is appreciated.

/sign/

YOUR NAME