Free letter builder
Debt dispute letter
Prepare a factual request about a collection account, with CFPB guidance to help you check it.
Free to use · No account required · Optional saving on your browser
Read the collection notice and CFPB instructions before using a letter. Certain dispute rights have time limits. This builder does not calculate those dates, dispute credit-report entries, respond to a lawsuit, or decide whether the debt is yours. Keep a copy and proof of delivery.
1. Add the facts
Use only the identifying details needed; avoid full financial account numbers.
The draft uses a fixed template and the facts you enter. Nothing is sent to the recipient.
2. Read and edit your letter
Replace every bracketed placeholder. Check names, dates, claims, and the requested action. Changes to the facts above only enter the letter when you rebuild it.
Saving is optional and stays in this browser. Other people using this browser may see saved work. It does not sync across devices and can be lost if browser data is cleared. Manage saved work.
Check the rules and keep your records
These tools organize the facts you enter. They do not decide your rights, file documents, send letters, or extend a deadline. Review all output before using it and check the requirements for your location.