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Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice.
Circle the disputed items on a copy of your credit report and enclose it. Credit Problem
If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing. Under the Fair Debt Collection Practices Act (FDCPA)
This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report? Your full name, address, and telephone number
If debt collectors are calling you constantly, there is a specific legally binding phrase you can use in writing: "Please cease and desist all calls and contact with me immediately".
Send the letter via with a "return receipt requested" to prove they received it.