This a letter that has worked for others and you can edit it to fit your own situation.
This is for when there is a collection or charge-off on your credit report that you tried to work out with the creditor, but they completely ignored your letter and gave you no response. In fact, you are not even sure it belongs to you, because you never received any notification. You only discovered it when you got your credit report.
You would then write to the credit bureaus that show it on your credit report. You can say something like this:
I received my free credit report and was quite shocked to see an account that is FALSE.
1) I reached out to this creditor, and they did not respond to me.
2) I have never received any notification of this account.
3) I do not recognize this account as valid and belonging to me.
Account # (copy exactly what it looks like including any XXXs in the number) DELETE
Please confirm that this false account has been deleted.
Thank you in advance and have a nice day,
If you have otherwise perfect credit, add a sentence that says, “My credit is excellent, so this makes no sense!”
You have the right to a credit report that is 100% correct.
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