Attention: {name of collector}
Name of Agency
Agency Address
Account Number: {account or reference number}
Dear Mr. /Ms.
This letter is to inform you that I still dispute this debt. After receiving
your response to my original dispute letter, I contacted the original
creditor who was unable to verify this account as mine.
In my opinion, you have failed to validate this debt. I must remind
you that I originally disputed this debt within the 30-day dispute period
outlined in the FDCPA and that I am now also responding in a timely manner
to your attempt to validate this debt. Because I still consider this
debt as "still in dispute" I do not expect
to hear from you again except to provide information or documentation
to clear up my reasons for disputing this debt.
I already advised you in my previous letter that I am fully aware of
my rights under the Fair Debt Collection Practices Act and the Fair Credit
Reporting Act and that I will not hesitate to take all legal steps necessary
to protect myself. Be advised that I am keeping accurate records of all
correspondence including tape recording all phone calls.
Signature just above printed name
Your Printed Name
