We often dispute things with the credit reporting agencies without providing any sort of evidence as to why it is being disputed. This causes issues when the collection agency classifies additional disputes on the tradeline as frivolous. If you have evidence to back your claim, it is always better to do a direct dispute with the collection agency or the creditor. Below is a sample letter you can use for such a dispute.
Dear [Creditor],
This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), regarding the accuracy of the information you have reported to my credit file.
Please note that this is a direct dispute of credit reporting and is not a request for debt validation/verification under FDCPA §809(b).
In compliance with FCRA §623(a)(8)(D) and the regulations published at 16 CFR § 660.4, this Notice of Direct Dispute includes:
Identification of the specific information being disputed: [List the account number and the specific information that is being disputed under that account]
Basis for the dispute: [Explain how the reporting was inaccurate and if it was in violation of any statutory or regulatory provisions, account or express agreements, credit reporting agency guidelines, or if the account does not belong to you]
Supporting documentation: [Include all documents that support your dispute. It is recommended to also include a copy of the portion of your recent credit report that shows the disputed information was actually reported to your credit file]
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute.
Sincerely, [Your Name]
This article was last updated on December 24, 2022