A Collection That Almost Cost Him Everything
If you're wondering how to remove Verizon collections from your credit report, let us share a real story.
Robert had everything lined up for his dream home. He spent years saving up, making sure his finances were in order, and working toward his goal.
But then—his mortgage lender pulled his credit report.
“We have a problem,” they told him.
Right there, in black and white, was a $2,160 Verizon collection account that Robert swore wasn’t his.
His heart sank.
He had canceled that phone line at the store months ago. He even remembered talking to Verizon’s customer service about it. Yet, when he called to dispute the charge, the answer was always the same:
❌ “Sorry, the balance is valid.”
❌ “There’s nothing we can do.”
❌ “It must be paid.”
His dream home was slipping away, and he felt completely stuck. Same thing happened with Mark. Read his debt collection horror story 👉 here.
The Harsh Truth About Credit Disputes
Most people in Robert’s situation try to dispute collections through the credit bureaus. But here’s the problem:
90% of disputes fail because they rely on generic letters that get ignored.
Robert had already tried disputing the Verizon account on his own. Nothing changed.
That’s because traditional disputes only ask the credit bureaus to "verify" an account—but they don’t actually force the company to prove the debt is valid.
If Robert kept going down this road, he would have lost his home loan approval.
So, we took a different approach. Instead of just disputing the debt, we demanded proof.
The Secret to Winning Collection Disputes
How to Remove Verizon Collections From Your Credit Report
We didn’t just ask Verizon to “double-check” their records. We forced them to prove Robert owed the debt.
📌 Step 1: Demand Legal Proof
We sent a formal request asking Verizon for the original signed contract proving Robert agreed to the charges.
📌 Step 2: Request Full Billing History
We demanded two and a half years of billing records to track any discrepancies.
📌 Step 3: Apply Pressure Where It Hurts
When Verizon refused to cooperate, we escalated the case to:
- The Consumer Financial Protection Bureau (CFPB)
- The credit bureaus, requiring a full investigation
Most companies don’t keep perfect records. If they can’t provide every document proving a debt is accurate, they must legally remove it.
💡 Pro Tip: A collection agency or creditor must be able to provide complete, verifiable documentation of a debt. If they can’t, the law is on your side.
The Moment Everything Changed: Verizon Bill Removed
Weeks went by. Verizon finally responded—but they made a huge mistake.
Their own documents contradicted what they told Robert.
- The cancellation request had never been processed correctly.
- Verizon’s own billing records showed the error.
- This collection should have never existed.
🚀 Within 90 days, the account was deleted from Robert’s credit report.
Here’s the official deletion letter Robert received:
The Aftermath: From Denied to Approved
✅ Robert’s credit score jumped 87 points overnight.
✅ His mortgage lender approved his home loan the next week.
✅ He saved $2,160 and never had to pay a penny on that collection.
📌 Think about that. A single mistake on his credit report almost cost him his dream home. If he hadn’t fought back, he would’ve had to pay off a debt that wasn’t even valid.
How Many Errors Are Hiding on Your Credit Report?
Most people assume their credit report is accurate. But did you know that 1 in 5 reports contain serious errors?
Think about your credit report right now:
❌ Do you have a collection that doesn’t look right?
❌ A charge-off that shouldn’t be there?
❌ A late payment you swear you made on time?
💡 If so, you might be able to challenge it—and get it removed.
👉 Want to learn how? Check out our guide on The Truth About Credit Report Errors to see if you have inaccurate accounts affecting your score.