Q: I have an unpaid collection on my credit report but I was never aware that I owed any money. Should I dispute?
I have an outstanding collection from 2016 that is originally from an apartment complex. It was sold to a collection agency in Tampa. When I left that apartment complex, I wasn’t told that I owed any debt. I was never contacted even though my phone number never changed. I would have been easy to contact. I had no idea I was delinquent on anything, and nobody told me that my account would be sold to a collection agency. Because of the lack of contact, I felt forgiven for back rent that I owed, until I received the letter from the collection agency. The apartment complex never even tried to get me to pay them back. I feel they held the debt for a year, then sold it. Is it possible I could dispute the collection because I wasn’t made aware of any debt to begin with?
A: Can you dispute it? Sure. Will the credit bureau remove it? Probably not, because it's a valid debt.
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