Send this letter if the collection agency/creditor provides proof of your signature and claims you are obligated to pay. Wait until the 31st day from which they signed for Letter 1.1 that you mailed. On day 31 check your credit report to see if they show the account as “In Dispute” or “Consumer Disputes this Information”.
If they did NOT mark it in dispute, proceed with letter 2.3. If they are reporting it in dispute, proceed with letter 2.1.
