ITRC Solution 4
Clearing Name with a Collection Agency 

Follow these steps when clearing your name with a collection agency:

Under the Fair Debt Collection Practices Act, the collection agency must stop all collection activity during the investigation. They cannot sell, trade, give away, donate, or loan this account to another collection agency.

Keep a record of everyone you speak to over the phone. In addition, keep all paperwork you receive and make copies of everything you send out.

Related Links:

ITRC Fact Sheet FS 116 – Collection Agencies and Identity Theft

ITRC Fact Sheet FS 116A – Your Debt Collection Rights

ITRC Letter Form LF 100-2 – Confirmation of Conversation – Letter of Clearance


This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to This email address is being protected from spambots. You need JavaScript enabled to view it..