Dispute or Verify an Account

Your Right to Dispute

You have the right to dispute a debt or request verification under both Nevada law and federal law:

• Nevada NRS 649.332 — Nevada collection agencies must respond to written disputes with verification of the debt. Collection activity is suspended pending review.
• Federal FDCPA (15 U.S.C. § 1692g) — You have 30 days from receipt of the initial validation notice to dispute the debt in writing. Upon receipt of a written dispute, the collector must cease collection activity until validation is provided.
• CFPB Regulation F — Codifies these rights and adds additional consumer protections including limits on contact frequency.

How to Submit a Dispute

To dispute or request verification of an account, send a written dispute to:

Vegas Valley Collection Service
Attn: Dispute Resolution
304 S. Jones Blvd #2596
Las Vegas, NV 89107

Or email: dispute@vegascollect.com

Include the following:

• Your full name and current contact information
• The account number or reference number (if known)
• The original creditor name (if known)
• A clear statement that you dispute the debt or request verification
• Specifics of what you're disputing (the existence, the amount, or other particulars)
• Copies of any supporting documentation (do not send originals)

What Happens After You Submit

1. Collection activity is suspended pending review per NRS 649.332 and the FDCPA.
2. We obtain verification from the original creditor — typically the original invoice, contract, statement, or account documentation.
3. We respond in writing with the verification details, generally within 30 days of receipt.
4. If verification cannot be obtained or the dispute reveals an error, the account is closed and any associated credit reporting is corrected.
5. If verification is provided, collection activity may resume, and you'll have the opportunity to discuss resolution.

If You Believe You're a Victim of Identity Theft

If you believe the debt is the result of identity theft, you have additional rights under the Fair Credit Reporting Act (FCRA). Submit a written notice including:

• An identity theft report (you can file one at IdentityTheft.gov)
• A copy of your government-issued ID
• A statement clearly identifying the account as the result of identity theft

Upon receipt, collection activity ceases and the account is investigated for identity theft. If confirmed, the account is closed and credit reporting is corrected.

Medical Debt — Special Rules Under SB 248

If the debt is medical and you received a 60-day notification under NRS 649.366, the collection account cannot be reported to credit bureaus during the notification period, and any payment you make is treated as voluntary under NRS 649.367. Medical collection fees are capped at 5% of the underlying balance under NRS 649.368. These protections apply automatically; you don't have to invoke them. Disputes during the notification period are handled the same way as any other dispute.

Communication Preferences

Under the FDCPA and CFPB Regulation F, you have the right to:

• Tell us not to contact you at work if your employer prohibits such contact
• Restrict contact to certain hours or methods (mail only, no phone calls, etc.)
• Cease all contact (note: this does not eliminate the debt; it stops outreach)

Submit communication preferences in writing using the address above or email.

Important: This is a Debt Collector

This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector.