Template
Dispute letter for a duplicate account listing
Use this when the same debt appears more than once, such as with both the original creditor and a collector.
When to use this template
- The same debt shows under the original creditor and a collection agency with balances on both.
- An account appears twice under different names or numbers.
Sample letter
Replace everything in [brackets], and send one letter to each bureau that shows the error.
[Your full name] [Your street address] [City, State ZIP] [Date] [Credit bureau name] [Bureau dispute address] Re: Dispute of inaccurate information on my credit report To whom it may concern: I am writing under the Fair Credit Reporting Act (15 U.S.C. § 1681i) to dispute inaccurate information on my credit report. Item in dispute: [Creditor name] and [collector name] — accounts ending [xxxx] and [xxxx] Why it is inaccurate: These entries report the same debt more than once, which inaccurately inflates my balances. The original creditor entry should show a zero balance if the debt was sold. What I am asking: Please investigate and correct or delete the duplicate entry. Please send me the results of your investigation in writing, along with an updated copy of my credit report. Sincerely, [Signature] [Your printed name] Enclosures: - Statements or letters showing both entries relate to one debt - Collection notices that name the original creditor
Skip the typing
Rapid Rescore writes this letter for each bureau from the accounts you choose, attaches your ID and proof of address, and lets you print and mail it free — or mail it for you first-class or certified with tracking.
Create my letters freeWhat to enclose
- Statements or letters showing both entries relate to one debt
- Collection notices that name the original creditor
Send copies, never originals.
Tips
- Point to the account numbers or original-creditor references that match.
- Check that the original creditor reports a zero balance once the debt was sold.
- Send it by a method that proves delivery. See certified mail vs first-class and where to send it.
More templates
- Collection account that isn't mine →
- Late payment reported in error →
- Inaccurate charge-off →
- Paid account still showing a balance →
General educational information and a generic template, not legal advice. A dispute can't remove accurate information, and Rapid Rescore does not guarantee any result. Last reviewed: October 2026.
It can be, but the original creditor should typically report a zero balance after selling the debt.
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