Disputing Inaccurate Information and Collections on Your Report
A debt collection agency can't report information that's inaccurate or incomplete on your credit file. It's against the law. So, if any of the information reported about a collection account is incorrect or incomplete, you have the right to dispute that account with the agencies. They must verify the information with the source. If the source doesn't confirm the information within 30 days, the credit reporting agency must remove it.
If the debt on your credit report isn't yours, don't pay it. We'll have the credit bureau remove it from your account after a formal dispute. If a collector keeps a debt on your credit report over seven years, they must remove that debt.
Will a Collection or Debt Automatically Come Off Your Credit Report?
Collection accounts remain on your credit report for up to seven years after the date you first became delinquent with the lender.