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I have a paid collection account that has been altered through renewing of the "Date Opened" and Date Reported in order to keep this Neg TL on my credit report.


I am pretty sure I need to dispute this with the OC and the CA but is there a template letter for me to follow regarding this? If so can someone please direct me to it.


Am I understanding that after I request them show where they followed the FCBA and FDCPA and it proves that these dates are inaccurate, they must delete?


Please advise so I can be sure I am understanding proper protocol so I can follow through.


Thanks Bunches!


p.s. I think the correct term I am looking for is "reaging" of accounts

Edited by Roxie

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Find an old bill, copy of a credit report or anything else showing the proper date.

(If you cannot, send the letter without it)



Dear CRA;


The following account;

<account details>

Has been illegally re-aged, the relevant dates have been altered.

Please delete it immediately as it is beyond the statutory reporting period for this type of account.

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