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You mail a dispute, certified, with green receipt card, to the credit reporting agencies, Transunion, Equifax, and Experian, or other credit reporting agency if not one of the big three.

DO NOT submit a credit dispute over the internet because the credit reporting agencies may have you submit to arbitration.   You do not want to give up your right to have a judge and jury hear your case.  If any corporation has you sign or check an arbitration agreement, you may not be able to sue the corporation, but have to submit to an arbitration for any relief you desire. 

Most people think you submit a dispute with the company furnishing the incorrect information, but the Fair Credit Reporting Act was not written that way.  You have no right to sue until you send a dispute to the credit reporting agency.  Why would you have to send a dispute to the credit reporting agency and not the creditor that is inaccurately reporting a debt?   There are provisions that make the credit reporting agency liable at some point so they need to be notified, but the truth is probably somewhere behind the thought that it is just one more trap to catch the unwary consumer and make it more difficult to sue for improperly reporting your debt.

Credit Reporting Error in Orange County

2203 E. Lincoln Avenue

Anaheim, CA  92806


Tips on how to settle a debt with a debt collector:

1.    You should always receive a settlement offer in writing from a debt collector; no exceptions.

2.    The settlement offer should specify the exact original creditor, balance amount, and account number, and state that debt collector is authorized to settle the account.

3.    You should never authorize or allow a debt collector to deduct funds from your bank or checking account.

4.    You should mail the debt collector a cashier's or certified check.

5.    Confirm in writing the exact language that debt collector will use to report to credit reporting agencies that the account was paid in full or settled.  (Best option for debtor is to have the account tradeline deleted, but that is more difficult to achieve.)

6.    You must then keep all of the settlement documents and proof of payment forever because debt accounts are sold and traded and can end up being sold to another debt collector after you have settled an account.  Debt collectors also try to collect debts that are beyond the statute of limitations period.  It is important to have the proof that you paid already.

7.    If a debt collector makes a material misrepresentation of facts, that may be a violation of the Fair Debt Collection Practices Act and you should consult an attorney.

1.  Trying to collect a debt you do not owe is not allowed.
2.  Threatening you with arrest or some other illegal act is not allowed.
3.   Trying to collect more than you owe is a violation.
4.   Contacting anyone other than the debtor is prohibited.  That means the debt collector cannot call your employer or family or friends or neighbors.
5.   Suing you on a time-barred debt is a violation.
6.   Calling before 8 am or after 9 pm is a violation.
7.   Excessive number of calls in a day is a violation.