Free Three Credit Bureau Report – 3 Scores

Ashley asked:


I am 20 years old, and pulled my credit report about 3 months ago. I found three collection accounts on my credit report.

I first disputed the accounts with the credit bureaus, who all verified the accounts. These accounts are not mine, I know they are not mine, for a business in a state I have never been to.

My next step was to send the collection agencies a certified letter requesting validation of debt, that was over 2 months ago, no response from any of them.

I was doing research on Y/A and found out that now I should dispute the accounts with the credit bureaus again and send certified mail with copies of validate letters, that they failed to answer OR I should contact the credit bureaus for something called Method of Validation.

My question is can anyone help me with a sample letter or tell me how to word a letter to the credit bureaus saying they should delete the accounts because the collectors did not validate. I am not good at writing letters, I feel inadequate.

Also should I list all three accounts on one letter to each bureau?

Regina