Dispute balance / request validation

Document a disagreement or request verification. Matched accounts pause automated outreach while we review.

Dispute / Validation Form

Full Name

Email Address

Phone Number

Account Number (if known) If you don't have an account number, leave this blank

Dispute Reason

Detailed Explanation Be specific. Include dates, amounts, and any relevant details.

Supporting Documentation Upload documents that support your dispute (payment receipts, police reports, etc.)
Accepted formats: PDF, JPG, PNG, DOC, DOCX | Max 5MB per file

Documentation & pause

Submitting a dispute/validation request helps us document your concern. On a matched account we pause automated outreach while the balance is reviewed. Where U.S. FDCPA validation rules apply to a consumer debt, additional statutory rights may exist—see our rights summary.

Request verification of the amount claimed
Dispute if you believe the balance is incorrect
Expect outreach to pause during review on matched accounts

I certify that the information provided is true and accurate to the best of my knowledge. I understand that filing a fraudulent dispute may have legal consequences.

When to File a Dispute

You should file a dispute if:

You don't recognize this debt
The amount doesn't match your records
You've already paid the debt
This is the result of identity theft
The statute of limitations has expired
You need verification of the debt

Timing tip

If consumer FDCPA validation rights apply, written validation requests are often most effective within 30 days of the initial collection notice.

You can still submit later; we still document and pause matched-account outreach when possible.

What you may receive

After a validation/dispute request, documentation may include (when available from the creditor):

Verification of the amount claimed
Name of the creditor / original creditor
Contracts, invoices, or statements on file
Account transaction history

Common Dispute Reasons

Not My Debt: Never had account with creditor
Incorrect Amount: Balance is wrong or inflated
Already Paid: Debt was previously satisfied
Identity Theft: Fraudulent account in your name
Statute of Limitations: Debt is too old to collect legally

Important Notes

Disputing doesn't eliminate valid debts
Collection will pause during investigation
False disputes may have legal consequences
You may still owe the debt if validated
Credit reporting may continue if debt is validated

Need Help?

Questions about the dispute process?

Email: support@fixpayment.org