These are sample letters only. They are designed to help you with formatting your own personal letters pertaining to your own situation(s). NEVER waste your time or any credit bureau’s time with illegitamate claims.




Collection Agent



RE: Acct. # …


To whom it may concern:


When living in (state, city), I received service through ________________ (Telephone, power,water, etc.) Company. During that time there were numerous billing errors. I kept being mixed up with another family. Though time-consuming and aggravating for me, the __________ company always found and corrected the errors.


Before moving to (state, city), I stopped service and paid the final bill. I never thought I would continue to be plagued with __________________ Company errors.


I am sure if you speak to a human being and not a computer at ________________ Company, there will be a record of the problems we were having with wrong billings. I am also certain you will discover this is not my debt.


I was assured by ______________ Company at the time that I was not the cause of the errors. I don’t know what the actual problem was, but I can assure you this is not my bill.


I would truly appreciate your assistance.




Your Name



This letter is meant to serve as an example only. The text of your letter should pertain to your personal situation. You should consult an attorney for any legal questions you might have.



We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


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