Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.
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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. 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. 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.