Did Frontier Communications Collections get it wrong? Learn about your legal rights…
Federal law protects you against a collections department reporting inaccurate or unsupported items on your credit report. If a company like Frontier Communications becomes aware they reported incorrect information to a credit bureau such as Equifax, Experian, and/or TransUnion, the company must fix any errors by reporting the mistakes.
If you think that Frontier Communications should remove a negative item from your credit report, here’s how to do it:
Under federal regulations, you can dispute your credit report directly with Frontier Communications. To submit the dispute, send a letter containing your name and account information, the account number for the debt in question, a description of the dispute, and any supporting evidence to the Frontier Communications collections department. The address for the collections department should be on a credit report or within the Frontier Communications terms of service contract.
Send your letter by certified mail so you can prove that Frontier Communications received it. In most cases, a company like Frontier Communications has 30 days from receiving your letter to finish a reasonable investigation and then send you the results. If they agree that you’re right, they have to notify the credit bureaus (like Experian, Equifax, and TransUnion) to delete the inaccurate information.
If you don’t trust Frontier Communications to fix the credit report issues, federal law also requires the credit bureaus to investigate all credit information reported as inaccurate. The credit bureaus will investigate your Frontier Collections dispute by reporting it to the original company. Therefore, reporting to Frontier Communications and the credit bureaus should increase your chances of getting favorable results.
To report your Frontier Communications collections department dispute to the credit bureaus, use the following links: TransUnion customer service click here, Experian customer service dispute click here, and Equifax customer service dispute click here. In most cases, the credit bureaus are responsible for sending you an outcome of their investigation within 30 days of your submission.
If Frontier Communications and the credit bureaus refuse to correct the issue, you can continue to dispute the issue by filing a consumer arbitration against Frontier Communications and contesting the negative information in a hearing.
If you do not receive the result of a Frontier Communications collections department investigation within 30 days of informing the company about a inaccurate credit report, you may be entitled to up to $1000 in damages under the federal Fair Credit Reporting Act.
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