You both make very good points...in his defense however, he does state:
Quote:
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This letter is not a one-size fits all letter. If the debt is not correct, the dispute letter needs to specifically point that out.
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Obviously if you doubt the debt is yours or you don't want to admit the debt is yours then don't include that part of his example letter. You should never just send any example of a letter you find on the internet especially if it does not convey what you want or don't want known.