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Dispute Letter that Removed a Collection

When an account on your credit report is inaccurate, erroneous, out of date, or unverified, it must be deleted.

When a third party collection company posts an overdue account on your credit report, you have the right to verification of the facts. Here’s what happened recently:

One of my book readers saw a collection account with a balance that she did not believe was accurate. She wrote a letter to the collection company asking for verification.

She waited 45 days (to allow for 30 days investigation and time for the USPS mail to go back and forth).

No response ever came.

She then wrote a letter to each credit bureau that showed the unverified collection, and SUCCESS! The collection was promptly deleted.

Here’s what the letter said:

“On <date> I sent a letter to <creditor> asking for verification of an account that I do not recognize: account #xxxx12345. It has been 45 days, and I have received no response whatsoever. Therefore, posting this account on my credit report is a violation (unverified) and must be deleted.”

Short and to-the-point. Factual. Real. No legalese gobbledygook.

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Thank you for reading and sharing. God bless your day.

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