YOUR NAME

YOUR ADDRESS

SSN: xxx-xx-xxxx DOB: xx/xx/xxxx

DATE

CREDIT BUREAU NAME

CREDIT BUREAU ADDRESS

TO WHOM IT MAY CONCERN;

This letter is to formally inform you that I recently received a copy of my credit report

that your company publishes. Upon review of my credit report, I found a number of items that

are inaccurate or questionable. The numerous accounts in question are listed below, please ad-

vise under the time allotted in the FCRA.

Therefore, I am requesting that you please send me copies of the documents that you

have in your files as of this date that your company used to verify the accuracy of the

accounts listed below along with a complete compliant detailed breakdown of the three seg-

ments of the Metro 2 requirements including The Header Record, containing 18 fields, which

ensures that the information was identified correctly by your bureau, The Base Segment, con-

taining 49 fields, which provides the specific account information for me, The Trailer Record,

Containing 47 fields, which summarized the data submitted to your bureau specific to my par-

ticular file.

Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g, I am expressing my right to
demand that you disclose your compliance with Metro 2 and disclose to me all of the docu-

ments that you have recorded and retained in your file at the time of this request concerning

the accounts that you are reporting in my credit report.

NOTE: Please don’t respond to my request by saying that these accounts have been verified

because I have never been sent proof of such. Instead, send me copies of the documents that

you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these

disputed accounts then please delete them immediately as required under Section

611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report

and distributing them to 3rd parties you are damaging my reputation and creditworthiness,

and I will seek damages if they are not removed and you are unable to provide the necessary

documentation.

It is my right that under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be

promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof

that you have on file for each of the accounts listed below within 30 days of receipt of this letter

then you must remove these accounts from my credit report.  Failure to comply with the dele-

tion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVI-

DENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of
YOUR STATE.  Additionally, if you fail to comply with my deletion demand I am prepared to and

will sue your company for the maximum civil, criminal and punitive damages available by law.

Please provide me with a copy of an updated and corrected credit report showing these items

DELETED. I demand the following accounts be properly METRO 2 COMPLIANTLY verified WITH

EVIDENCE or removed immediately:

ACCOUNT NAME ACCOUNT NUMBER

ACCOUNT NAME ACCOUNT NUMBER

ACCOUNT NAME ACCOUNT NUMBER

ACCOUNT NAME ACCOUNT NUMBER

ACCOUNT NAME ACCOUNT NUMBER

Respectfully,
YOUR NAME

INCLUDE:
CLEAR PHOTO ID
*Utility bill if address on ID is not accurate.