Debt collectors must prove what you owe—or delete it! Under FDCPA (15 U.S.C. § 1692g(b)) & FCRA (15 U.S.C. § 1681s-2), if they can’t validate your debt, they must remove it from your credit report! ✅ 3 Steps to Get It Deleted ⬇️ 1️⃣ Send a Legal Debt Validation Letter (DM me for the template!) 2️⃣ Demand proof (signed contract, payment history, etc.) 3️⃣ No proof in 30 days? They MUST delete it! 🚫 💼 No response? File a CFPB/FTC complaint or sue for damages! 💰 DM me for the exact letter in word