Debt validation letter overview A debt validation letter ... or debt that came from fraud or identity theft). If the debt collector cannot prove that you owe the debt and continues with debt ...

Key Points An unpaid debt could damage your credit score. It’s common for debts to be turned over to collection agencies ...

A 609 dispute letter is a formal request to credit bureaus to verify the accuracy of information on your credit report. A ...

If you believe it is fraud or wrong ... A legitimate debt collector usually provides debt validation through a letter before they reach out via other communication channels.