TransUnion Dispute Debt Collection Sample Letter
If you’re like most consumers, you probably know that when a debt collector starts contacting you about an unpaid balance, it can be intimidating and even scary. But if it turns out the collector is looking for payments on the wrong account or for debts that have already been paid, it can be frustrating. In today’s post, we’ll examine how to dispute a debt using a sample letter.
What is the TransUnion dispute process?
If you find yourself in a situation where you are being harassed by a debt collector, you may be wondering what your options are. One option is to dispute the debt with TransUnion.
The TransUnion dispute process is fairly simple. You will need to send a letter to the company that is reporting the debt, which is most likely the original creditor or debt collection agency. In the letter, you will need to state that you dispute the debt and provide a reason for why you believe the debt is not yours.
Once the company receives your letter, they have 30 days to respond. If they do not respond within that time frame, you can send a dispute letter to TransUnion and request derogatory information to be removed from your credit report.
If you are still being harassed by a debt collector after following the TransUnion dispute process, you may want to consider filing a complaint with the Consumer Financial Protection Bureau.
How to dispute a debt with TransUnion?
If you’re in the process of disputing a debt with TransUnion, you’ll need to follow the proper procedures to ensure that your dispute is processed correctly. The first step is to send a dispute letter to TransUnion, which you can do by following the template below. Be sure to include all relevant information about the debt in question, as well as your contact information.
Once you’ve sent your dispute letter, TransUnion will investigate the debt and determine whether or not it’s valid. If they find that the debt is indeed valid, they’ll provide you with a notice of validation. If, on the other hand, TransUnion finds that the debt is not valid, they’ll remove it from your credit report entirely.
How to write a TransUnion dispute letter?
Not sure how to dispute a debt collection account with TransUnion? Choose this template to create the demand letter, then mail it to the consumer reporting agency. Be sure to include all relevant information about the debt in question, as well as your contact information.
Please, follow the link https://pdf.ac/JXxHK to open the document form.
Now, you can start to fill out the form:
- Begin with your First and Last name at the top, an example JOHN DOE
- Next, enter your current address, the same address as mentioned in your ID or driver's license:
Address Line 1: 123 EXAMPLE STR, UNIT 1
Address Line 2: NEW YORK, NY 12345
- Now, add your social security number: 123–45–6789
- And your date of birth, an example January 1, 1975
- Next, write your contact details. My phone number is 123–456–7890, email address is firstname.lastname@example.org
- Choose the document date
- In the reference, please enter the debt collection agency name you dispute, let’s say Debt Collector LLC
- The collection account: 123456
- And the disputed past due balance: $100.00
- Under the text “Respectfully”, need to enter your First and Last Name: JOHN DOE
- Now, you need to provide copies of two forms of identification. Upload your ID or driver's license copy to the document left side and your social security card to the right side
- Lastly, in the notary section, please retype your First and Last Name again: JOHN DOE
Good job, your document is ready! Check your personal information one more time, and click the BUY button. Proceed with the payment to download and print out the document from your computer.
Before the final step, you need to notarize your document. Be sure to keep the original copy of the letter for your records. For your convenience, please use the online notary service, by following the link iDispute.org/online-notary
The person whose signature is being notarized must personally appear before the notary at the time of the notarization without exception.
Finally, send the letter by USPS certified mail. Certified mail is best because it guarantees that the company receives it. That way, they can’t say they didn’t get your letter. But, if you are busy and don’t have time to drive to the post office, you can mail a letter online. No more trips to the post office, no worries of social distancing, save time and do it online with LETTERCARRIER.ORG
IMPORTANT: You can keep a document copy on your computer, but it’s better to keep a hard copy of the one you sign and send. Always keep a copy of the document, certified mail receipt, and payment receipt, so you have a record.
Having an attorney send a powerful demand letter to the company will quickly motivate them to do the right thing. Request Service HERE: https://www.fixcredit.cc/
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