Collection Agency Reporting Error Letter — Dispute Duplicate or Inaccurate Collections
Stop Double Reporting and Protect Your Middle Credit Score®.
If the same debt is showing up multiple times on your credit report—often under different collection agencies—it’s a clear reporting violation.
A Collection Agency Reporting Error Letter helps you dispute duplicate or inaccurate collection entries and demand correction from both the credit bureaus and the reporting agencies.
At Middle Credit Score®, we help consumers fix credit inaccuracies using proven, compliant methods under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).
This letter—and over 30 more free templates—are available inside our Credit Dispute Letters Support Center, designed to empower you to take control of your credit data and remove errors the right way.
🔍 When to Use a Collection Agency Reporting Error Letter
Send this letter when:
- Multiple collection agencies are reporting the same debt.
- A collection appears after the original creditor has already deleted or corrected the account.
- A paid or settled collection continues to show as open or active.
- A new collection agency reports an account that’s already been validated or disputed.
Duplicate or inaccurate collections can unfairly lower your Middle Credit Score® and misrepresent your financial standing.
💡 Why This Letter Matters
Each debt can legally be reported only once at a time.
When more than one collection agency reports the same debt—or when old data lingers—it’s not just misleading, it’s a violation of federal credit laws.
By sending a Collection Agency Reporting Error Letter, you:
- Identify and dispute duplicate or overlapping collection entries.
- Request that outdated collection agencies delete their listings.
- Ensure your credit report reflects only verified, accurate accounts.
- Protect your Middle Credit Score® from unnecessary damage caused by reporting errors.
Accurate credit reporting helps lenders evaluate your financial health fairly—and prevents inflated debt totals from appearing on your record.
🧭 Step-By-Step: How to Send
- Review your credit reports for duplicate or conflicting collection entries.
- Gather documentation proving the debt was sold, settled, or assigned to another agency.
- Complete the Collection Agency Reporting Error Letter below, listing each duplicate or inaccurate entry.
- Attach proof of payment, settlement, or correspondence with the original creditor.
- Send your letter by certified mail to the credit bureaus and each involved collection agency.
- Keep all records and verify the correction on your next credit report within 30–45 days.
Once the bureaus confirm your claim, the duplicate or outdated collections must be removed permanently.
🔗 More Dispute and Verification Resources
Access more free templates for debt validation, charge-off corrections, and bureau disputes in the
➡️ Credit Dispute Letters Library.
For credit education and recovery strategies that help strengthen your Middle Credit Score®, visit the
➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Collection Agency Reporting Error Letter ensures that only legitimate, verified debts appear on your credit report.
By removing duplicates and inaccurate collections, you protect your credit integrity and improve your Middle Credit Score®.
Collection Agency Reporting Error Letter: Disputes when multiple collection agencies report the same debt.
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau or Collection Agency Name]
[Address]
Re: Duplicate Collection Account Reporting – Request for Correction
Dear [Representative],
I am writing to dispute duplicate collection entries appearing on my credit report for the same debt. The accounts listed as [Collection Agency A] and [Collection Agency B] both reference the same original creditor and balance, which constitutes inaccurate and misleading reporting.
Under the Fair Credit Reporting Act (FCRA), only one valid account should appear for a single debt obligation. Please investigate these entries and remove any duplicates or incorrect listings.
I have enclosed supporting documents showing that this debt was assigned to only one agency. Please send written confirmation once corrections have been completed and updated with all credit bureaus.
Thank you for your time and cooperation.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or collection agency may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
