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The creditor has 30 days to act.
The creditor must look into the claim.
The creditor must either correct the mistake or explain why there is no mistake.
The creditor must give proof the bill was corrected if asked for it.
The creditor can't do anything against the debtor until it checks into the claim and reports back to the debtor. It can't close the account. It can't make a bad report to a credit bureau.

Q: What Happens If The Debtor Says There's A Mistake In The Bill?
A: A phone call is not enough. Writing a note on the back part of the bill sent to the creditor is not enough. There is a form to help the debtor decide what to put in … More
Q: What can a creditor do if a debtor won't pay?
A: Creditors are very likely to report the delinquencies to one or more credit bureaus, thus harming the credit record. In Idaho they may seek a judgment and court order … More
Q: Whom May A Creditor Contact About A Debt?
A: A creditor may contact any person to locate a debtor. However, in doing so, the creditor usually may not talk to anyone more than once or refer to the debt when … More
Q: Can A Creditor Be Stopped From Contacting The Debtor?
A: Yes. By notifying a creditor by mail not to contact the debtor. After that, the attempts at contact must stop. There are two exceptions to this. The creditor may say … More