This form is to be used when a collection company is demanding full payment from you and you disagree with the balance. Use this form as your first letter of dispute.
Dispute Letters For Closed Accounts
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How to fill out Letter Of Dispute - Complete Balance?
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FAQ
Typically, a closed account can only be removed from your credit report if it is an error. For example, suppose an account was closed because the information was listed incorrectly. In that case, you can file a dispute to have it removed.
A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.
Send a letter to the three major credit bureaus?TransUnion®, Experian® and Equifax®?that explains what information you are challenging, why you believe it is inaccurate and that you would like it removed. Similarly, send a letter to the financial institution that provided the information to the bureaus.
You must file a dispute in writing with each of the three bureaus separately and include supporting documents. The credit bureau will investigate, and the negative item must either be confirmed or corrected. Note that an item may be updated but not entirely removed from your credit report. Pursue a "goodwill" deletion.