Thanks for proving my point. I wasn't claiming debt couldn't be disputed. I was simply pointing out what proof is. Anything beyond that the consumer must take upon themselves to disprove the so called debt......and why wouldn't you? The form letters get you the same general response... Think outside the box, write your own original letter with specifics and include copies of things that would actually prove this debt is not yours.
Wrong - the consumer does NOT have to "disprove" any of the so-called debt. The burden of proving the alleged debtor owes falls squarely on the shoulders of the debt collector, per the FDCPA.