Letter Informing Debt Collector of False or Misleading Misrepresentations in Collection Activities - Using a Business Name Other Than the True Name of the Debt Collector's Business
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FAQ
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.
Dispute the error with the credit bureau. Report the collections account and ask to have it removed from your credit report. 2feff Provide copies of any evidence you have proving the debt doesn't belong to you. Even if the debt belongs to you, that doesn't mean the collector is legally able to collect from you.
In the letter, reference the date of the initial contact and the method, for example, "a phone call received from your agency on April 25, 2019." You also need to provide a statement that you're requesting validation of the debt. Do not admit to owing the debt or make any reference to payment.
The name 623 dispute method refers to section 623 of the Fair Credit Reporting Act (FCRA). The method allows you to dispute a debt directly with the creditor in question as long as you have already filed your complaint with the credit bureau and completed their process.
Know Your Rights! RIGHT TO DISPUTE THE DEBT: Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor.
If you believe any account information is incorrect, you should dispute the information to have it either removed or corrected. If, for example, you have a collection or multiple collections appearing on your credit reports and those debts do not belong to you, you can dispute them and have them removed.
Social Security number, banking information, and other personal details can be collected and used to steal your identity. Once a crook has your personal info, he can use it to open new credit cards and checking/savings accounts, to write fraudulent checks, or to take out new loans in your name.
Report debt collection scams and abuse to the Consumer Financial Protection Bureau (online or at 855-411-2372), the Federal Trade Commission (online or at 877-382-4357) and your state's attorney general.
No. Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt.
