Once you receive a debt validation letter, you have 30 days to dispute the debt. skynesher/Getty ... report them to your state attorney's general or file a complaint with the CFPB.

From understanding why late payments matter to actionable steps like dispute letters, CFPB complaints, and Goodwill negotiations, you’ll get all the tools you need to tackle this head-on.

You’ll receive written acknowledgment of your dispute letter within 30 days of the issuer receiving it. ... you can file a complaint with the FTC, the CFPB or your state authorities.

How to file a complaint with the CFPB If you believe your bank has violated your rights or your dispute remains unresolved, you can file a complaint with the CFPB: Visit www.consumerfinance.gov ...

You’ll receive written acknowledgment of your dispute letter within 30 days of the issuer receiving it. ... you can file a complaint with the FTC, the CFPB or your state authorities.