1692g validation
Any collector must, within 5 days of first contact, provide validation on request. Silence for 30 days is a violation — enforceable in federal court.
Debt
Debt Collections
Turn every collector into a compliance problem.
The Fair Debt Collection Practices Act gives you the right to demand validation, restrict contact, and challenge unlicensed activity. Just Dispute IT drafts every FDCPA notice and tracks the 30-day validation clock automatically.
What you get
Every workflow, out of the box.
- Debt validation packet ready in under 3 minutes
- Cease-communication + electronic-only contact letters
- State-by-state licensing lookup for junk debt buyers
- Statute-of-limitations tracker prevents re-aged debt collection
Strategies in play
The specific moves the AI runs on your behalf.
Unlicensed collectors
In many states, unlicensed collection activity is void ab initio. AI flags the state, checks the licensing database, and drafts the appropriate cease letter.
Reinsertion challenge
When a collection reappears after removal, §611(a)(5)(B) requires the bureau to notify you within 5 business days. If they didn't, the item comes off.
Related solutions
The rest of the defense stack.
Credit
Credit Report Errors
Every reporting error, professionally challenged.
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Credit
Charge-Offs
Stop paying for accounts the furnisher can't verify.
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Credit
Late Payments
One late payment shouldn't cost 100 points.
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Identity
Identity Theft
Freeze, dispute, recover — in the right order.
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Ready to run the play?
Start with a free credit audit. The AI Credit Analyst reads your file, flags issues, and drafts the first letter — all in under 5 minutes.