Get a copy of your credit reports from all three bureaus
Identify the collection account and note the collector’s name, account number, and dates
Check whether the debt is accurate, yours, and still within the statute of limitations
Gather supporting documents such as statements, payment records, settlement letters, or identity theft reports
Send a written dispute to the collection agency by certified mail with return receipt
Clearly state which account you are disputing and why
Request validation of the debt and copies of supporting records
Dispute the collection with each credit bureau reporting it
Include copies of supporting documents, not originals
Keep copies of every letter, form, and receipt you send or receive
Follow up if the collector or credit bureau does not respond within the required time
If the debt is not verified or is inaccurate, request removal or correction in writing
Consider filing a complaint with the CFPB, FTC, or your state attorney general if the issue is not resolved
Consult a consumer law attorney if the debt is large, disputed, or involves possible legal action