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    Collection Dispute Letter Builder

    A collection account on your credit report you don't owe or don't recognize? Make a free letter asking the collector to prove the debt and report it as disputed. Nothing you type is sent to us or saved.

    We'll show your 30-day validation deadline.

    Why are you disputing it? Choose all that apply.

    This is a free educational tool, not a legal opinion. This website provides general information, not legal advice. Laws change and every situation is different. Talk to a licensed attorney in your state about your specific facts.

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    Consumer Center

    For Resources

    Free, plain-language guides on auto fraud, lemon law, and unauthorized bank transfers.

    A nonprofit consumer education organization. Not a law firm.

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    Consumer Center for Resources

    (818) 697-4295

    Mon–Thu 9am–4pm, Fri 9am–1pm PT

    About CCR & how the case review works

    © 2026 Consumer Center For Resources. All rights reserved.

    This website provides general information, not legal advice. Laws change and every situation is different. Talk to a licensed attorney in your state about your specific facts.

    Consumer Center for Resources is a nonprofit consumer education organization. We are not a law firm and do not give legal advice or represent anyone. When you request a free case review, we may share what you send us with Consumer Action Law Group, an independent private consumer protection law firm in California. Its attorneys may contact you about your matter or refer you to another attorney who handles your type of case. Requesting a review does not create an attorney-client relationship, and you are never obligated to hire anyone.

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