What do I do if creditors don't respond to my dispute letter?

Question

I have written to all my creditors from my credit report requesting that they validate my bills that are in collection on my report. It has been over 60 days and some have not responded. What can I do next to try and get them off my credit report?

Answer 1

You dispute with credit bureau not the collection agency or creditors. They are not trying to help you, they're trying to collect remember?

Answer 2

Send the credit bureaus copies of the dispute letters you sent to your creditors and explain in your letter that the creditors neglected to validate your debt and they are required under the FCRA to remove the inaccurate information from your credit report.

Even though the credit bureaus are required under the FCRA to remove inaccurate information from your credit report, they do not always do so--most credit bureaus refuse to remove invalid negative information from their credit reports unless you take them to court and win the case.  Credit Bureaus get away with these frequent FCRA violations because they are well aware that enforcement of the FCRA is lax, at best.

Answer 3

yea they all have website go to annualcrditreports.com there you can acess all the credit reporting companies then you can dispute them there. then they email you a statments within 60 days. hope this helps

Answer 4

It sounds like you sent validation letters to your creditors...not collection agencies or other 3rd party debt collectors.

If you sent validation letters to the original creditor, they don't have to respond. You will need to try other things to get them off your reports, like disputing and negotiating with them for pay for deletion.

on edit:

To answer your additional details...dispute directly with the three bureaus. Dispute them as "not mine" or "do not recognize this debt" and see what happens then.

You do not really need any help drafting a dispute letter. You can dispute online with two of them, and use a form for the third. Or you can use form for all three and send your disputes in by mail if you like.

If all they have to answer a dispute is that 'Some guy came in with some kid and knew the information" then you won't have any problems getting rid of them.

Answer 5

You should be disputing through the credit bureaus, not direct.

Answer 6

Dispute directly with the credit bureaus instead.