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Target is a company that offers groceries and furniture for retail sale. Many Americans like you are being contacted by collection agencies hired by Target who are trying to get payments on defaulted accounts. Even though you may owe a debt to Target or the collection agency it hired, you still have rights.

You should dispute the 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 Target 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. Roxanne T. on April 26, 2015 at 9:59 pm

      I received a letter stating that Target is not able to proceed with processing my credit card application as my Identity cannot be verified. When I called, I was told that Equifax reported that my social security number was not reported as a valid social security number. But, I am seeing two hard inquiries on my Equifax report from Target. I called up Equifax and was told that the report states – “inquiry SSN has never been issued or was issued after June 2011.”

    2. Drew F. on June 10, 2015 at 10:58 pm

      I went to a Target store and my total was around $41. The cashier discussed getting a new red card with all these benefits like taking advantage of future discounts on sale items at Target. I got an invoice months later from Target and the bill was $76. I called Target’s home office and was told that if I would pay the initial purchase the late fee charge would be waived. I paid the $41 and cut up the Target credit card. Months later I get an invoice from Target for $111. I call again and am told by Target that they will increase the bill every month until I pay.

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