If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing.
Circle the disputed items on a copy of your credit report and enclose it. Credit Problem
Send the letter via with a "return receipt requested" to prove they received it. If you find inaccurate information (like a payment
This stops the harassment, but it does not erase the debt. 3. Requesting Financial Hardship Assistance How do I dispute an error on my credit report? Circle the disputed items on a copy of
Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice.
Use this Sample Letter to Credit Bureaus from the Federal Trade Commission (FTC) as a template. 2. Stopping Debt Collector Harassment