Want the CenturyLink Collections Department to actually listen to your credit report dispute?

You have legal rights with CenturyLink Collections

Federal law protects you from a collections department reporting inaccurate or unsupported items on your credit report. If a company like CenturyLink becomes aware that they reported incorrect information to a credit bureau (like Experian, Equifax, or TransUnion) they must inform the credit bureau.

If you think that CenturyLink's Collections Department should remove a negative item from your credit report, here’s how to request it:

collections-department-save-money
  1. Contact the CenturyLink Collections Department:

    Under federal regulations, you can dispute your credit report directly with CenturyLink. To submit the dispute, send a letter containing your identifying information (account numbers are best), a description of the dispute, and any supporting evidence to the CenturyLink Collections Department at the address they provide on your credit report (if any), or the notice address provided in your CenturyLink contract.

    Send your letter by certified mail so you can prove that CenturyLink received it. In most cases, a company like CenturyLink has 30 days from receiving your letter to finish a reasonable investigation and send you the results. If they agree that you’re right, then they have to notify the credit bureaus (like Experian, Equifax, and TransUnion) to delete the information!


  2. Contact the three major credit bureaus (Transunion, Equifax and Experian):

    If you don’t trust CenturyLink to fix your issue on their own, federal law also requires the credit bureaus to investigate information reported as inaccurate. The credit bureaus will investigate your CenturyLink Collections Dispute by reporting it to the original company, so reporting to the CenturyLink Collections Department and the credit bureaus will increase your odds of getting results.

    To report your CenturyLink Collections 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.


  3. Make a legal claim against CenturyLink through Consumer Arbitration:

    If CenturyLink's collections department and the credit bureaus refuse to correct the issue, you can continue to dispute the issue by filing a consumer arbitration against CenturyLink and contesting the negative information in a hearing.

    Know your rights:

    If you do not receive the result of a CenturyLink Collections Department investigation within 30 days of informing the company, you may be entitled to up to $1000 in damages under the federal Fair Credit Reporting Act.

Fight back against CenturyLink with Radvocate