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Home Depot


PO Box 6497
Sioux Falls, SD 57117

Contact Them:


Fast Fact: As many as 1 in 5 Americans have errors or mistakes that are serious enough to affect their credit scores to point of being denied new credit or the refinancing of existing credit.

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.

If your alleged Home Depot 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 send such a letter via certified mail so that you can prove that they received it. 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. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

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


    1. Megan H. on April 25, 2015 at 9:01 pm

      Recently I attempted to purchase a new washer/dryer from Home Depot because they had 0% financing for card holders. I applied for a Home Depot credit card, was refused, and was told I would be receiving a letter explaining why I was refused. The reason for refusal was sent to me with a bill showing a balance of $341.00 in addition to a letter from a collection agency. Upon a closer look I saw that late fees and interest for the year totaled $141.00. But I never had or used any Home Depot card.

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