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When an account on your credit report is inaccurate, erroneous, out of date, or unverified, it must be deleted.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

5 thoughts on “Dispute Letter that Removed a Collection

  1. I do not have any utilities in my name, what can I use in the place of a bill to request my credit report.

    1. You can use any or all of the following for ID to request your credit report. Use at least two, and three is better.

      1) Driver’s license, 2) State issued ID, 3) cell phone bill (you might have to go online and print it out) 4) school student card (not the best but if you’re short on ID, it’s better than not having two pieces), 5) Passport (again not the best but if you’re desperate for a second item), 6) rent agreement (only the page that shows your name and address) 7) social security card

  2. Thank you for this. I’ve written 2 dispute letters to a collection agency on my daughter’s reports. 1st letter they didn’t send me the information I requested to prove she owed the debt. 2nd letter they ignored it.

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