ERS AND HSBC NV I paid an account off and the company sold by account to ers saying i still owes the bill Buffalo New York

from a privacy rights site ..
Date

Your Name
Mailing Address
City, State, Zip

Re: Disputing Inaccuracies on My Credit Report

Name of Credit Reporting Bureau
(see our fact sheet 6 for addresses)
Mailing Address
City, State, Zip

Dear Sir or Madam:

I am writing for two (2) reasons:

1. To dispute certain information in my credit file; and

2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion.The item(s) I dispute are encircled on the attached copy of the credit report and further identified by (identify the items by name of source, such as creditor or tax court, etc. and identify type of item, such as credit account, judgment, etc.)This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or whatever specific change you are requesting) to correct the information.(If you are enclosing documents such as copies of cancelled checks, payment records, court documents, send copies only, you should always retain the originals -- and use the following sentence.)

Enclosed are copies of the following documents supporting my position:

1.

2.

3.

Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in writing of the outcome.Thank you for your time and consideration in this matter.

Sincerely,

________________________

(Signature)
Your name

Also if you have anything written from Midland send that to. The Credit bureau only has a limited time (30 days?) to correct your record after notification. If the bureau doesn't then you have a case against the offending bureau.

Steve and J-Lakewood will probably be along shortly with additional info