William: Not my debt

Manassas, VA

“My credit was ruined and I had been denied a refinancing of our house.”

William told us that debt collectors requested that he pay $8,000 for a debt he never owed, ruining his credit in the process.

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William is not alone


More than 2 in 10 consumers with a debt in collection noted at least one of the debts was from a credit card.

Source: CFPB research report: Consumer Experiences With Debt Collection, 2017

Share your debt collection experience

The more we hear from you, the more insight we gain into what’s happening in the financial world and how it’s affecting you. Your experience will help inform how we work to protect consumers to create a fairer marketplace.

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Steps you can take if you’re in a situation like William

Get help replying

Do you need to write a debt collector about a debt or dispute? Do you want them to stop calling you? We have action letters that can help.

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Get answers

Here are some commonly asked questions related to debt being collected from the wrong person. 

Submit a complaint

Having an issue with debt collection and need a response from a company? Submit a complaint – we’ll forward your complaint to the company and work to get a response from them. 

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Learn more about debt collection

Our resources will help you understand how debt collection works, what your rights are, and help you address other questions you may have about debt collection. 

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What we’re doing

In July 2016, we outlined a number of proposals under consideration regarding debt collection, including:

  • Improving the quality of information about the debt being collected
  • Limiting the frequency with which debt collectors may contact consumers
  • Improving the information that consumers have at the outset of collections
  • Improving consumer understanding of the debt collection process

Learn more about our debt collection work

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After moving to a new city, Kathi used “Owning a Home” to help her make informed mortgage choices during her journey to a new home.

Debbie: Excessive contact

Debbie told us that she was frustrated by the amount of calls she received about a debt she didn’t understand.

Higinio: Credit card errors

After closing a credit card, Higinio was continually charged for debts he had already paid. Three years and hundreds of dollars later he decided to take action.

More stories about debt collection

Consumers across the country shared their experiences with debt collection.