Under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt a collection agency states you owe to them.

This letter to collection agencies will inform them of your rights. Sample statement in letter., This letter is being sent to you in response to a notice sent to me on, xxxx. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed, and validation is requested...

Order the No. 1 letter Credit Repair Companies send to creditors on your behalf.