Asked on Sep 01st, 2023 on Credit Repair - North Carolina
More details to this question:
I moved back in October and recently found I was falsely charged. I was never notified that the property manager charged me for damages that were not true, I have pictures to prove there were no damages. The charges were sent to collections and are now on my credit.
You need to send a written dispute to the credit reporting agencies that this collection shows on, with a cc to the collection agency. Send the letters certified mail. If you to to www.annualcreditreport.com you can download all 3 of your major credit bureau reports. Send the letters to the dispute address shown on the report and explain in the letters why you dispute the charges. If the collection agency does not remove the debt you can include a dispute statement in your report. You can also settle the account by negotiating an amount less than the full amount. If you do this, get any agreements in writing from the collection agency and include in the agreement that they will either remove the item from your report or put the balance down to $0.
Since this is a tenant issue you need to check some fo the tenant screening agency reports. Her eis a link from the CFPB with information about how to request those reports. https://www.consumerfinance.gov/about-us/blog/know-your-data-updated-list-reporting-companies/
Good luck.
This is general legal advice only. You do not have an attorney-client relationship with Attorney Lynn E. Coleman without a signed retainer agreement and payment of any applicable fees.
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