Ask Dale: How Do I Handle A False Collection on My Credit Report?

Today’s question comes from Amelia, who’s dealing with a frustrating and confusing credit issue. She wrote: “DIRECTV filed a collection against me, and it tanked my credit score. The account is listed in South Carolina, where I’ve never lived. A DIRECTV manager told me I’d need to file a fraud investigation with them. Why am I required to do all the legwork to resolve DIRECTV’s erroneous credit reporting?”

Amelia’s frustration is understandable, and sadly, this is a common challenge. Companies often require customers to follow specific dispute processes. In this case, DIRECTV’s fraud investigation process seems like the required first step. But there’s more Amelia—and anyone facing a similar situation—can do to protect her credit.

In addition to the fraud report with DIRECTV, Amelia should also dispute the erroneous information on her credit report directly with the three major credit bureaus: Equifax, Experian, and TransUnion. When filing a dispute, it’s crucial to include any supporting documentation to back up the claim, like proof of residence and records showing no association with the fraudulent account. The credit bureaus will investigate and provide results, and if the information is incorrect, they’ll correct it on her report.

And if that doesn’t resolve the issue, TrustDALE may be able to help. Since 2019, we’ve helped consumers recover over $1.2 million, and we’re here to help. If you’re dealing with a similar problem, visit TrustDALE.com and submit a help request. We’re committed to fighting for fair resolutions to consumer issues.

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