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Your best option is to consult with a consumer protection attorney if you believe your rights are being violated. clearly mark any trade line disputed by you as disputed by the consumer.conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting.Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. There are many things credit bureaus are required to do as it pertains to their credit reporting. If Comenity Bank is on your credit report, we can help you dispute it. The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. contact any third party and state that you owe a debt.call you at work, if they know that your employer does not permit personal calls.The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. They can resume their collection efforts again once they produce proof of your debt. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. You should send such a letter via certified mail so that you can prove that they received it. If your alleged Victorias Secret account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Agreement. You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent. How We Will Calculate Your Balance: We use a method called daily balance (including current transactions). Fast Fact: Credit report errors can impact one’s ability to retain current employment and affect one’s ability to obtain new credit, get a car loan and even secure insurance.