Can i dispute debt that has incorrect mailing info

The frustration of dealing with incorrect mailing information on a debt!

Yes, you can dispute a debt with incorrect mailing information. Here's a step-by-step guide to help you navigate the process:

  1. Verify the debt: Before disputing the debt, make sure you're dealing with a legitimate debt collector and not a scammer. Check the debt collector's name, address, and phone number to ensure they are registered with the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
  2. Gather documentation: Collect any relevant documents that support your claim, such as:
    • A copy of the original debt agreement or contract.
    • Proof of payment (if you've already paid the debt).
    • Proof of the incorrect mailing address (e.g., a utility bill or lease agreement).
  3. Dispute the debt: Write a letter to the debt collector, stating the following:
    • Your name and address.
    • The account number or description of the debt.
    • The incorrect mailing address listed on the debt.
    • Your request to correct the mailing address.
    • Any other relevant information, such as proof of payment or disputes about the debt's validity.

Example letter:

"Dear [Debt Collector's Name],

I am writing to dispute the debt listed on your letter dated [Date]. The account number is [Account Number]. I believe the mailing address listed on the letter is incorrect. My correct mailing address is [Your Correct Mailing Address].

I have attached a copy of [Document] that supports my claim. I request that you update the mailing address on my account to [Your Correct Mailing Address].

Please confirm in writing that you have received this dispute and that you will take the necessary steps to correct the mailing address.

Sincerely, [Your Name]"

  1. Send the dispute letter: Mail the letter to the debt collector using certified mail, return receipt requested. This will provide proof that you sent the letter and when it was received.
  2. Wait for a response: The debt collector must respond to your dispute within 30 days. They may:
    • Confirm the incorrect mailing address and update it.
    • Request additional information or documentation.
    • Dispute your claim and provide evidence to support their position.
  3. Follow up: If you don't receive a response or the debt collector doesn't correct the mailing address, you can:
    • Send a follow-up letter or email.
    • Contact the FTC or CFPB to report the issue.
    • Consider hiring an attorney to help resolve the dispute.

Remember to keep a record of all correspondence, including dates, times, and details of conversations with the debt collector. This will help you track the dispute and provide evidence if needed.