Part 1, Letter #2C

This letter is intended for use when you dispute a collection account and, instead of receiving a response from the collection agency, you are contacted by the original creditor. Under the Fair Debt Collection Practices Act (FDCPA), only the collection agency reporting the debt is responsible for validating and responding to your dispute. This letter asserts your right to proper validation from the correct party and demands that the collection agency fulfill its legal obligation. Using this letter helps ensure that your credit report reflects verified and accurate information, protects your consumer rights, and holds the correct entity accountable for their reporting.