How to write a dispute letter to collection agencies

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By disputing an item, the credit reporting agencies are obligated by law to investigate. They must either verify, correct, or delete the item from your record within 30 days. This type of letter is called a credit dispute letter. You can also send dispute letters directly to your creditor.
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Credit Dispute Letter Template

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Sample Letter for Disputing Errors on Your Credit Report | FTC Consumer Information

The letter below is a sample debt validation letter. For best results, you will need to get familiar with the FDCPA and debt validation if you are not already. There are three main parties in the debt collection process. First, there is the original creditor: the person or company who is owed money. When the original creditor gets tired of trying to collect the money, they sell the debt to the second party in the process: the debt collector. Debt collectors specialize in collecting debts — they call and send letters demanding payment.
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Sample Letter for Disputing Errors on Your Credit Report

We respect your privacy. All email addresses you provide will be used just for sending this story. There are several reasons why you might dispute a debt collection notice: You believe the collector has the wrong person; the amount being sought is much higher than you think is really owed; the debt is so old that you are no longer legally obliged to pay it Note: The statute of limitations on debt varies by state. Until the collector provides this written verification, it may not continue to collect on the debt or seek judgment in court. Below is a sample, fill-in-the-blank letter that you can use as a guide for disputing a debt with a collector.
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If you receive a collections notice from a debt collection agency and do not believe the debt to be yours or the amount to be inaccurate, you may dispute the debt with the collection agency by writing a letter formally declaring that you contest the debt. While this may result in an end to collection attempts, it may possibly amplify them. According to attorney Sergei Lemberg, some debt collectors might become more aggressive when an account is disputed. Verify the debt and the collection agency. Go to each credit reporting agency's --Equifax, Experian, and Trans Union--website and navigate to their dispute page and file a dispute request.
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