Part 1, Letter #3

This letter should only be sent if the creditor or collection agency responds with documentation they claim proves your original signature and obligation to pay. Before sending this letter, you must wait until the 31st day after they received your initial dispute letter. Then, review your credit report to verify whether the account has been marked as “disputed” in the comments section. If the account is not marked as disputed, you typically proceed with Part 1, Letter 3. If it is marked as disputed, you may choose to continue with either Part 1, Letter 4 or Part 2, Letter 1, based on your preferred strategy.