Remove Inaccurate Collection Account

Are you looking to dispute a collection account on your credit report for inaccuracies? In Virginia, you can dispute these inaccuracies directly with the credit reporting agency. Here are some steps to follow:
- Gather evidence of the inaccuracy.
- Write a dispute letter to the credit reporting agency.
- Contact the creditor as well.
Would you like more details on how to draft the dispute letter or the relevant agencies to contact?

Sure, I can help with that! Here's a sample letter to remove a collection account for inaccuracy:
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[Your Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Date]
[Credit Reporting Agency Name]
[Agency Address]
[City, State, ZIP Code]
Subject: Dispute of Inaccurate Collection Account Reporting
Dear Sir/Madam,
I am writing to dispute the following information on my credit report. The item I am disputing is inaccurate and incomplete. I have circled the item on the attached copy of my credit report.
- Account Number: [Account Number]
- Creditor: [Creditor Name]
This account is inaccurately reported because [explain the inaccuracy, e.g., "the account was settled in full on [date]" or "I have never been late on payments"].
I am requesting that the item be removed from my credit report to correct the information. Enclosed are copies of [describe any enclosed documents, e.g., payment records, correspondence with the creditor] supporting my position.
Please investigate this matter and correct the disputed item as soon as possible.
Thank you for your prompt attention to this matter.
Sincerely[Your Name]
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Would you like more information on the relevant credit reporting agencies to contact?