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credit report collection dispute

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When you spot an error on your credit report, filing a dispute with the collection agency is your first step to fixing the record. You'll need to write a clear letter explaining the mistake and include any proof you have, like payment receipts or account statements. The agency has 30 days to investigate—if they can't verify the debt, they must remove it. Keep copies of everything you send, and check your report again in a few months to make sure the correction stuck.