Send the letter via with a "return receipt requested" to prove they received it.
Use this Sample Letter to Credit Bureaus from the Federal Trade Commission (FTC) as a template. 2. Stopping Debt Collector Harassment Credit Problem
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". Send the letter via with a "return receipt
If you find inaccurate information (like a payment you actually made or an account that isn't yours), you should send a formal dispute letter to the credit bureaus. Your full name, address, and telephone number. The account number for each item you are disputing. Stopping Debt Collector Harassment If debt collectors are
Under the Fair Debt Collection Practices Act (FDCPA) , third-party collectors must stop contacting you once they receive this written notice.