How do you challenge a collection agency from illegal collection?

Answer:
What's your basis for calling it an illegal collection? If you feel the debt is not owed and it is reporting to your credit, dispute it with the 3 major credit bureaus ( Equifax, TransUnion, and Experian). Then contact the collection agency via certified mail to dispute it as well and ask for proof that the debt is valid.
First answer by Ksutton51. Last edit by Ksutton51. Contributor trust: 0 [recommend contributor recommended]. Question popularity: 1 [recommend question].