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[quote=Anonymous]https://consumer.ftc.gov/articles/debt-collection-faqs
A collector has to give you “validation information” about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following

their name and mailing address
the name of the creditor you owe it to
how much money you owe, written out to include interest, fees, payments, and credits
what to do if you don’t think it’s your debt
your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector

What if I don't think I owe the debt?

Once you get the validation information (see What does the debt collector have to tell me about the debt), if you still don’t recognize a debt, or don’t think the debt is yours, send the debt collector a dispute letter. Say you don’t owe some or all of the money, and ask for verification of the debt.

Make sure to send the dispute letter within 30 days. Once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe. Consider sending your letter by certified mail and requesting a return receipt to show that the collector got it. Keep a copy of the letter for your records.

If you don’t dispute the debt within 30 days of getting the validation information, the debt collector will assume the debt is legitimate.[/quote]

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