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Collection Account Not Belonging to Me Dispute Letter
To:
Subject: Formal Dispute – Unauthorized Collection Account Reporting Under FCRA 15 U.S.C. § 1681e(b)
To Whom It Mat Concern,
I am disputing the following collection account that has been fraudulently placed on my credit report. I have never entered into any agreement for this debt, and your failure to maintain accurate records under FCRA 15 U.S.C. § 1681e(b) is causing undue harm to my credit profile.
Violations Identified
Demand For Action:
If you do not rectify this matter, I will exercise my right to sue for damages under FCRA 15 U.S.C. § 1681n.
Sincerely,