Upload the notice you received. We draft a validation request that makes the collector identify the original account and prove you're responsible for it — you read it before you pay.
I dispute this debt in full and request validation under 15 U.S.C. § 1692g. I require documentation of the amount claimed, the name of the original creditor, and your authority to collect…
Our records show you owe $1,240.00 on the above account. This amount is now past due. To avoid further collection action, remit payment in full within 30 days of this notice.
If you fail to respond, we may report this account to consumer reporting agencies and pursue additional collection remedies available to us.
To Midland Credit Management: I am responding to your notice dated August 12, 2026. I dispute this debt in full and request validation under 15 U.S.C. § 1692g. Specifically, I require documentation of the amount claimed, the name and address of the original creditor, and evidence of your authority to collect on this account…
Until validation is provided, you must cease collection activity on this account. Please direct all further correspondence in writing to the address above.
"Debt is not yours" is the single largest sub-category of debt-collection complaints CFPB receives — and identity theft accounts for a large share of the rest. Nearly half of all 2024 debt-collection complaints were about debts consumers said they didn't owe at all.
The CFPB publishes free sample letters you can adapt yourself — start there if you'd rather do it by hand. We charge for reading your specific letter and filling the request in for you.
Upload it and we'll help you work out what matters.
Upload it and PUSHBACK will read it, help you work out what matters, and draft the response for your situation.