Credit Problem Here

A clear, factual explanation of why the information is wrong (e.g., "The account was closed by me, not the lender"). A request for the item to be removed or corrected.

Circle the disputed items on a copy of your credit report and enclose it. Credit Problem

Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice. A clear, factual explanation of why the information

Send the letter via with a "return receipt requested" to prove they received it. "The account was closed by me

If debt collectors are calling you constantly, there is a specific legally binding phrase you can use in writing: "Please cease and desist all calls and contact with me immediately".