How do I get an incorrect collection removed from my credit report?

You have three choices dispute the account (if it's inaccurate), contact the collection agency for a goodwill adjustment (if you've paid the account in full), or simply wait for the account to be removed from your reports in due time.

How do I dispute a false collection?

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

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Letter Informing Debt Collector of False or Misleading...

Puerto Rico Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing or Implying that Documents are Legal Process

Name: Puerto Rico Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing or Implying that Documents are Legal Process
Brand: US Legal Forms
Rating: 4.63 (364 reviews)

Category:

Collections - Fair Debt Practices Act

State:

Multi-State

Control #:

US-DCPA-19.16BG

Format:

Instant download

Description

Section 807 of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1692e, provides, in part, as follows: "A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

"(13) The false representation or implication that documents are legal process."

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How to fill out Puerto Rico Letter Informing Debt Collector Of False Or Misleading Misrepresentations In Collection Activities - Falsely Representing Or Implying That Documents Are Legal Process?

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FAQ

Yes, you may be able to sue a debt collector or a debt collection agency if it engages in abusive, deceptive, or unfair behavior. A debt collector is generally someone who buys a debt from a creditor who, for whatever reason, has been unable to collect from a consumer.

Write a dispute letter and send it to each credit bureau. Include information about each of the disputed itemsaccount numbers, listed amounts and creditor names. Write a similar letter to each collection agency, asking them to remove the error from your credit reports.

Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.

You have three choices dispute the account (if it's inaccurate), contact the collection agency for a goodwill adjustment (if you've paid the account in full), or simply wait for the account to be removed from your reports in due time.

Your dispute should be made in writing to ensure that the debt collector has to send you verification of the debt. If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

If you have inaccurate or incomplete collection accounts on your credit report, the Fair Credit Reporting Act gives you the power to dispute this information directly with the credit bureaus or creditor. You can send a dispute using the dispute form on each credit bureau's website.

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

Format the letter thusly: Your full name and address. The collections agency's name and address. A request for the amount of the debt claimed to be owed. A request for the name of the original creditor. A request for the judgment information (if applicable) A request for proof of the company's license.

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

Normally, collections are disputed because the debtor believes they are incorrect for some reason. For example, if you review a copy of your credit report and you see a collection account that you believe belongs to another person, has an incorrect balance or is greater than seven years old, you can file a dispute.

More info

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Puerto Rico Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Falsely Representing or Implying that Documents are Legal Process

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Can I sue collection agency for false information?

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