<prompt> Human: the collection agency is local. I sent a letter 2 weeks ago using Certified Mail, Return Receipt Requested. today it come back and postman said collection agency refused it multiple times. Now I have the letter. I called the agency, they simply said I must pay, blah blah... I asked why they refuse the letter? they said they cant accept Certified mail, its against their policy. I have to go with fedex or ups... is there such rulepolicy, or just some excuse? Assistant: So what you are saying is they are denying your rights under FDCPA to communicate with them in writing. Hope the call was recorded, this should be fun.Human: all they said is the letter cant be certified mail, they will not sign either. they asked me to send a normal letter. I asked what does normal mean, they say cant be certified mail, they will not signAssistant: They do this so they can claim you never sent the letter. Then claim you are past due the 30 days. Send a new letter keep the refused one, unopened.Next, debt validation. Google and find your own letter to write. DO NOT USE THEIR LETTER. Specifically type I dispute this debt in your letter. Make sure its dated. Print your name, initial and date. I was told not to sign, collections agencies have been known to forge your signature on documents. Make sure you use blue ink, and photocopy the letter, your postage and keep your receipt with tracking information. Now, DO NOT CALL THEM AGAIN. They record all conversations and will use your wording against you. Send them the new letter along with a cease and desist saying all conversations have to be through the mail. Credit report. You need to dispute with all three credit bureaus. NOW. They will request debt validation from the collections agency. If collections cant provide it, they will have to remove it. Once the debt validation letter has been sent, they cant put it on your credit score again. I just went through this whole process myself on a medical bill with Commonwealth Financials. I was threatened and yelled at despite them not having any collections on me. I tracked down old invoices to show proof of payment, had my credit score cleared within 14 days and sent debt validation with proof they received it. Its been 60 days and they have only called once WHICH I DID NOT ANSWER.This is a hassle, but its a process. Read up as much as possible and get ready for an uphill battle!Good luck!Human: Thank you for your reply. when you communicate with collection agency, if they ask your personal informationdob, insurance ID. What information you shouldcan give to them?  <response>: Do not give them any personal information 