Dispute a debt

Think a debt is wrong? Start here.

If you received a Validate notice and believe the debt is inaccurate, incomplete, already paid, or not yours, you have the right to dispute it. Enter the letter code from your notice to review the account and submit your dispute information.

Your options

A notice does not mean you are out of options.

Validate is designed to create a clear response path. Use your letter code to start the dispute process.

Enter your letter code.

Enter the 10-digit letter code found on the letter you received.

Useful documentation

Specific records help resolve disputes faster.

You do not need a perfect file to respond. Start with the documents you have, then explain what happened in plain language.

Proof of paymentReceipts, canceled checks, payment confirmations, or bank records.

Written communicationEmails, text messages, change orders, or notices about the invoice.

Agreement detailsContracts, estimates, work orders, service records, or delivery documentation.

What happens next

We keep the process clear.

Once your dispute is received, the account can be reviewed and the business can be asked to verify or correct the information.

Step 1

Your dispute is recorded.

Your response is tied to the account so there is a clear record of the issue you raised.

Step 2

The information is reviewed.

Validate reviews the dispute details and may request additional information if something important is missing.

Step 3

The business is asked to verify.

The business that submitted the account may need to verify the debt, correct the information, or update the account status.

This page is informational and is not legal advice. If you have questions about your legal rights, consider speaking with a qualified professional.