Professional Documents
Culture Documents
Credit Dispute Letters-8814829
Credit Dispute Letters-8814829
#1
Creditor Name
Creditor Address
Your Name
Your Address
Date
As I have not heard back from you in over 60 days regarding my notice of dispute dated
<insert date>, and you have not supplied the demanded proof of the alleged debt, under
the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715, 719, I may
presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I restate my demand for proof of
the debt, specifically the alleged contract or the other instrument bearing my signature,
as well as proof of your authority in this matter. Absent such proof, you must terminate
this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again that as I have no account with you, nor am I your customer,
nor have I entered into a contract with you, I must ask for the following information:
1. Please evidence your authorization under 15 USC 1692 (e) and 15 USC (f) in
this alleged matter.
2. What if your authorization of law for your collection of information?
3. What is your authorization of law for you collection of this alleged debt?
4. Please evidence your authorization to do business or operate in the state of
Florida.
5. Please evidence proof of the alleged debt, including specifically the alleged
contract or other instrument bearing my signature.
You have fifteen (15) days from receipt of this notice to respond. Your failure to
respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver
to any and all of your claims in this matter, and will entitle me to presume that you sent
your letter(s) in error, and that this matter is permanently closed.
You continued silence is unacceptable. Either provide the proof or correct the record to
remove the invalid debt from my credit files with the three primary credit-reporting
agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair
Debt Collection Act.
Failure to respond within 15 days of receipt of this registered letter will result in a small
claims action against your company. I will be seeking $5,000 in damages for the
following:
1. Defamation
2. Negligent Enablement of Identity Fraud
3. Violation of the Fair Credit Reporting Act
After obtaining the judgment against your company, I will obtain a Writ of Execution from
the Sheriff’s office in your county and I will begin the process of attaching property or
funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute
to the validity of the alleged debt and a dispute to the validity of your claims. This Notice
is an attempt to correct your records, and any information received from you will be
collected as evidence should any further action be necessary. This is a request for
information only, and is not a statements, election, or waiver of status.
I affirm under penalty of perjury under the Laws of the Land for the United States of
America, that the foregoing is true and correct, to the best of my knowledge and belief.
YOUR SIGNATURE
Creditor Name
Creditor Address
Your Name
Your Address
Date
This letter is a formal complaint that you are reporting inaccurate and incomplete credit
information.
I am distressed that you included the information below in my credit profile, and that you
have failed to maintain reasonable procedures in your operations to assure maximum
possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information.
Every step must be taken to assure the information reported is completely accurate and
correct.
The listed item is entirely inaccurate and incomplete, and as such represents a very
serious error in your reporting. Please delete this misleading information and supply a
corrected credit profile to all creditors who have received a copy within the last six
month, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each grantor
or other subscriber.
Under federal law, you have thirty (30) days to complete your re investigation. Be
advised that description of the procedure used to determine the accuracy and
completeness of the information is hereby requested as well, to be provided within
fifteen (15) days of the completion of your re-investigation.
YOUR SIGNATURE
Creditor Name
Creditor Address
Your Name
Your Address
Date
As I have not heard back from you in over 60 days regarding my notice of dispute dated
<insert date>, and you have not supplied the demand proof of the alleged debt, under
the doctrine of estoppels by silence, Engelhardt v Gravens (Mo) 281 SW 715,719, I may
presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve this matter amicably, I restate my demand for proof of
the debt, specifically the alleged contract or other instrument bearing my signature, as
well as proof of your authority in this matter. Absent such proof, you must terminate this
collection action and correct any erroneous reports of this debt as mine.
For record, I state again that as I have no account with you, nor am I your customer, nor
have entered into a contract with you, I must ask for the following information:
1. Please evidence your authorization under 15 USC 1692 (e) and 15 USC 1692 (f)
in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in the state of
Florida.
5. Please evidence proof of the alleged debt, including specifically the alleged
contract or other instrument bearing my signature.
You have fifteen (15) days from receipt of this notice to respond. Your failure to
respond, on point in writing, hand signed, and in a timely manner, will work as a waiver
to any and all of your claims in this matter, and will entitle me to presume that you sent
your letter(s) in error, and that this matter is permanently closed.
You continued silence is unacceptable. Either provide the proof or correct the record to
remove the invalid debt from my credit files with the three primary credit-reporting
agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair
Debt Collection Act.
Failure to respond within 15 days of receipt of this registered letter will result in a small
claims action against your company. I will be seeking $5,000 in damages for the
following:
1. Defamation
2. Negligent Enablement of Identity Fraud
3. Violation of the Fair Credit Reporting Act
After obtaining the judgment against your company, I will obtain a Writ of Execution from
the Sheriff’s office in your county and I will begin the process of attaching property or
funds to satisfy the judgment.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute
to the validity of the alleged debt and a dispute to the validity of your claims. This Notice
is an attempt to correct your records, and any information received from you will be
collected as evidence should any further action be necessary. This is a request for
information only, and is not a statements, election, or waiver of status.
I affirm under penalty of perjury under the Laws of the Land for the United States of
America, that the foregoing is true and correct, to the best of my knowledge and belief.
YOUR SIGNATURE
Your Name
Your Address
Date
This letter is to inform you that I still dispute this debt. After receiving your response to
my original dispute letter, I contacted the original creditor who was unable to verify this
account as mine.
In my opinion, you have failed to validate this debt. I must remind you that I originally
disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am
now also responding in a timely manner to your attempt to validate this debt. Because I
still consider this debt as "still in dispute" I do not expect to hear from you again
except to provide information or documentation to clear up my reasons for disputing this
debt.
I already advised you in my previous letter that I am fully aware of my rights under the
Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not
hesitate to take all legal steps necessary to protect myself. Be advised that I am
keeping accurate records of all correspondence including tape recording all phone calls.
YOUR SIGNATURE
Your Name
Your Address
Date
This letter is a formal request for the description of the procedures used to determine
the accuracy and completeness of the disputed information, including the business
name, address, and telephone number of any furnisher of information contacted in
connection reinvestigation.
For your benefit, and as a gesture of my goodwill, I will restate the relevant dispute:
Additionally, please provide the name, address, and telephone number of each credit
grantor or other subscriber.
YOUR SIGNATURE
Your Name
Your Address
Date
I am contacting you concerning old and outdated information that is appearing on my credit
report. According to the Fair Credit Reporting Act (FCRA) negative information can only appear
on my credit report for 7 to 10 years, depending on the item. These are the items in question,
(insert old information).
I request you to verify and remove any old and outdated accounts. Once you have completed
any corrections please send me a new credit report reflecting the updated information.
Thank you for your time,
YOUR SIGNATURE
Intention to File a Complaint with the FTC – Follow up after 30 days – Example#1
Your Name
Your Address
Date
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to
comply with these federal regulations by credit reporting agencies are investigated by the
Federal Trade Commission (see 15 USC 41, et seq.). I am maintaining a careful record of my
communications with you on this matter, for the purpose of filing a complaint with the FTC
should you continue in your non-compliance. I further remind you that, as in Wenger v Trans
Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), you may be liable for you willful non-
compliance.
Be aware that I am making a final good, will attempt to have you clear up this matter. You have
15 days to cure.
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following
information needs to be verified and, following failure to verify, deleted from the report as soon
as possible:
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your
reporting. Please delete this misleading information and supply a corrected credit profile to all
creditors who have received a copy within the last six month, or last two years for employment
purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or
other subscriber.
Under federal law, you had thirty (30) days to complete your re-investigation, yet you have failed
to respond. Do not delay any further.
Be advised that the description of the procedure used to determine the accuracy and
completeness of the information is hereby requested as well, to be provided within fifteen (15)
days of the completion of your re-investigation.
YOUR SIGNATURE
Your Name
Your Address
Date
I am contacting you to advise you of my intentions to file a formal complaint with the
Federal Trade Commission. I have contacted you in writing requesting that you
investigate and correct inaccurate information in my credit file. Under the Fair Credit
Reporting Act (FCRA) you have 30 days to investigate these inaccuracies. I have not
received any response from you and the inaccurate information still appears in my file. I
am demanding you to take the appropriate steps necessary to address, correct and
delete the inaccurate information reporting in my file. Once you have done this in a
timely manner, please send me a updated copy of my credit file reflecting the changes
and the items deleted.
If you ignore my request I will be forced to formally file a complaint with the Federal
Trade Commission.(Don't forget to provide a copy of the letters you recently sent
to the credit agency regarding these disputes)
YOUR SIGNATURE
Your Name
Your Address
Date
This letter is formal notice that you have failed to respond to my dispute letter of date. I
sent this letter registered mail and have enclosed a copy of the return receipt which you
signed on some date.
As you are well aware, federal law requires you to respond within 30 days. It has now
been over that period since your receipt of my letter. As you are no doubt aware, failure
to comply with federal regulations by credit reporting agencies are in serious violation of
the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am
maintaining detailed records of all my correspondence with you.
I am aware that you may have misplaced my letters or have failed to respond to my
letter because of an oversight due to the high volume of the requests you receive daily.
If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this
purpose, I have included a copy of my original request, the dated receipt of your
reception of the original letter and a copy of the proof verifying the incorrectness of the
credit item you have mistakenly placed on my records.
The following information therefore needs to be verified and deleted from the report as
soon as possible:
Please delete this erroneous item from my credit report as soon as possible.
YOUR SIGNATURE
YOUR FIRST AND LAST NAME
Your Name
Your Address
Date
This letter is a formal complaint that you are reporting inaccurate credit information.
I am very distressed that you have included the below information in my credit profile due to its
damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws
ensure that bureaus report only accurate credit information. No doubt the inclusion of this
inaccurate information is a mistake on either your or the reporting creditor's part. Because of the
mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit
type for which you were denied here>, which was highly embarrassing and has negatively
impacted my lifestyle.
The following information therefore needs to be verified and deleted from the report as soon as
possible:
CREDITOR AGENCY, acct. 123-34567-ABC
YOUR SIGNATURE
Your Name
Your Address
Date
I am contacting you because I have found some information that is inaccurate on my credit
report. These accounts do not belong to me do not belong to me. I request that you verify the
information and remove any inaccurate information from my credit report as quickly as possible.
The items in question are: (list accounts here)
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Your City, State, and Zip Code
Date
I've just reviewed my credit report and have noticed there are several inaccurate items on my
report:
YOUR SIGNATURE
Your Name
Your Address
Date
This letter shall serve as formal notice of my intent to file a complaint with the Federal
Trade Commission (FTC), due to your failure to respond to my two previous letters
requesting a correction to my credit file.
As indicated by the enclosed copies of letters and mailing receipts, you have received
from me by registered mail, a dispute letter dated {date of initial letter}, as well as a
follow-up letter, dated {date of second letter}.
I am sure that you are aware of the Fair Credit Reporting Act's requirement to respond
to consumer's credit report disputes within 30 days, and that the FTC investigates
complaints for failure to respond. I have advised you on two separate occasions, more
than 75 days ago and again 40 days ago that you are reporting inaccurate information
about me. For the record and your benefit, I will restate my dispute:
Line Item: {insert name of creditor, account number or line item number)
Requested Correction: (describe exactly what you want. If you want an item deleted say
so and explain why. If you want an item corrected or updated, provide the correct
information such as names, dates, amounts and so forth and any evidence to support
your claim).
If you do not immediately take steps to resolve this issue, I will be forced to file a formal
complaint with the FTC. Furthermore, I intend to consider seeking redress in civil court
to recover damages, costs, and attorney fees, should you fail to respond.
If your re-investigation was negative, please supply the description of the procedure
used to determine the accuracy and completeness of the information to my address
above. If you have any questions concerning this matter I can be reached at (insert
daytime phone number including area code).
YOUR SIGNATURE
YOUR FIRST AND LAST NAME
Dispute Public Records with Credit Bureaus, Reason They Don’t Belong to Me
Your Name
Your Address
Date
While reviewing my personal credit report (insert report number) I noticed some inaccuracies in
the public records area of my file. I am requesting an investigation be conducted and verify that
the information on (insert public records and case numbers, ie. Bankruptcy or Judgments) is
correct.
I believe this may be an error because this/these do not belong to me. Please verify and remove
them from my file and send me an updated credit report reflecting the accurate information.
YOUR SIGNATURE
Your Name
Your Address
Date
Your company is currently reporting a negative listing to the three major credit bureaus
(Experian, Trans Union, and Equifax) regarding the above referenced account. Based
on my recollection and my records, I can find no reason for you reporting such history. If
you’ll review your records I think you fill find your reported notations are inaccurate.
The erroneous status of your credit reporting agency record is unacceptable and is
preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of
the United States Code, I formally request the following documentary evidence
pertaining to my account.
1. A copy of the original credit application showing the terms of the agreement.
2. A summary of all account activities, including all payments made, late charges,
interest, date of payments received, date of payments posted, charges made,
and date of charges posted.
3. Copies of all documents and financial instruments used to pay the disputed late
payments.
4. Copies of all charges slips, invoices, promissory notes, and all other documents
proving indebtedness.
5. Copies of all documents sent to me regarding my account.
The information and documentation is critical and time is the essence. Within less than
thirty (30) days, I will be damaged partially because of the discrepancy with your
reported records. The above noted code requires your response within thirty (30) days.
Your prompt attention will be greatly appreciated. I hereby request that your response
be mailed to the address listed below.
If you find that your information and documentation does not support the negative
history reported to the three credit bureaus, I invite you to submit a completed Universal
Data Form to said bureaus in order to remove the negative notations. Upon removal of
the negative notations, I agree to hold your company harmless from any and all
inconvenience and/or damage related thereto.
YOUR SIGNATURE
Your Name
Your Address
Date
I am writing to dispute the validity of the above referenced item pursuant to the Fair
Credit Reporting Act. The Fair Credit Reporting Act requires you to verify the validity of
the item within 30 days. If the validity can not be verified, you are obligated by law to
remove the item.
In the event that you can not verify the item pursuant to the Fair Credit Report Act, and
you continue to list the disputed item on my credit report I will find it necessary to sue
you for actual damages and declaratory relief under the Fair Credit Reporting Act.
Because the Fair Credit Reporting Act provides concurrent jurisdiction in federal and
state courts, I shall elect to use the <insert jurisdiction in which you reside, e.g.
Multonomah County (OR) Superior Court> to bring appropriate action against you.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under
the Fair Credit Reporting Act.
I look forward to an uneventful resolution of this matter.
YOUR SIGNATURE
Creditor Name
Creditor Address
Your Name
Your Address
Date
I have recently received a copy of my credit report. The Equifax report had an account listed
from your company as a credit card. I disputed the account with the credit bureau as “not mine”
but it recently came back as verified.
I am writing this letter to you in an effort to get this removed. Please delete your information from
my credit reports. I have never had an account with your company. If someone has opened an
account in my name, please close it immediately before further harm is done.
I am requesting that you notify all of credit bureaus that this account is “disputed” or that you
delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act.
If there is any paperwork that I need to sign to confirm that this account is not mine, please send
the required documents.
This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt
Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all
of my rights per these laws and all other applicable laws protecting me.
YOUR SIGNATURE
Creditor Name
Creditor Address
Your Name
Your Address
Date
This letter is a formal complaint that you are reporting inaccurate and incomplete credit
information.
I am distressed that you have included the information below in my credit profile and
that you have failed to maintain reasonable procedures in your operations to assure
maximum possible accuracy in the credit reports your publish.
Credit reporting laws ensure that bureaus report only 100% accurate credit information.
Every step must be taken to assure the information reported is completely accurate and
correct.
Additionally, please provide the name, address, and telephone number of each credit
grantor or other subscriber.
Under federal law, you have thirty (30) days to complete your re-investigation. Be
advised that the description of the procedure used to determine the accuracy and
completeness of the information is hereby requested as well, to be provided within
fifteen (15) days of the completion of your re-investigation.
YOUR SIGNATURE
Your Name
Your Address
Date
The accounts listed on my credit report were included and discharged in bankruptcy. I am
providing you a list of those accounts, along with a copy of my discharge notice. Please update
my credit report to show the accurate information along with a zero balance on these accounts.
The list of items and the account numbers include: (list items here, also provide copy of
accounts listed on your bankruptcy application)
Thank you for your time,
YOUR SIGNATURE
Your Name
Your Address
Date
Please investigate this creditor immediately as this item is most definitely being reported
inaccurately and should be removed from my account.
Further I will be asking the creditor directly for documentation relating to the details of
my pay history with them as they are required to provide per the Fair Billing Act.
Please investigate and remove this item from my credit history as I know the creditor
cannot accurately verify this information as it is incorrect. Please contact me with any
questions.
Thank you,
YOUR SIGNATURE
Your Name
Your Address
Date
Please also provide me with an updated report when you are finished.
CREDIT ITEM IN QUESTION
YOUR SIGNATURE
Bottom of Form
Credit Bureaus, Reason Creditor Agreed to Delete Account
Your Name
Your Address
Date
I have recently spoken with the creditor _______________. I have contacted this
company challenging the validity of a late payment showing from many years ago.
In response to their error, they have agreed to delete the account from my credit history.
YOUR SIGNATURE
Your Name
Your Address
Date
I have reviewed my report recently. There were names and addresses on it that are
incorrect - spelling errors or just plain wrong. PLEASE fix EVERYTHING in my personal
information that is NOT the following:
1. My Name: This is my legal name: [Your First Name] [Your Last Name]
Please delete any other references to names as they are not mine and I have never
used any of them.
Please send me a new report when you are completed so I may continue to verify its'
accuracy.
YOUR SIGNATURE
Top of Form
Bottom of Form
Credit Bureaus, Reason Collection Company Failed to Delete Item
they Agreed to
Your Name
Your Address
Date
Attached please find a letter I received from a collection agency on ________. The
letter states: “We have also deleted this collection item from your credit report.” Clearly
the agency failed to do so, as the collection record shows on my credit report as
“________”.
YOUR SIGNATURE
Your Name
Your Address
Date
The status you are reporting for this account is incorrect, and doesn’t match my records.
I request that you verify the information and remove any inaccurate information from my
credit report as quickly as possible. The items in question are:
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
Please tell me how you did that. Who did you talk to at the original credit grantor? Did
you write them? Was a UDF form used or was this through electronic automatic dispute
verification? Did you contact them at the same address/phone number listed on my
report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide
the generic response of how you use various methods. Tell me exactly how you verified
them and include the full name of the person you spoke with.
Also, what is the date of the commencement of delinquency? The original creditor is
required to give that to you. So when is that? And when will this tradeline be past the
reporting timeframe? Don't provide the generic "7 years" response; I am aware of that.
Tell me specifically when these accounts allegedly became delinquent, and
specifically when they will be removed. Some of these accounts are reporting as
charged off as well as being included in bankruptcy. So, which is it?
YOUR SIGNATURE
Your Name
Your Address
Date
Thank you for deleting some of the accounts which incorrectly appeared on my credit
report. However, I still dispute the following remaining items. Some of them I don't
recall/remember are STILL on my report. Some of these creditors I have never heard of
and/or do not have any contact information for the creditor.
In accordance with the Fair Credit Reporting Act, Section 1681i, I ask that you
reinvestigate these items and delete them from my report.
[AccountItemList]
Furthermore, I would appreciate the names of the individuals you contacted for
verification, along with their addresses and phone number so I may follow up.
YOUR SIGNATURE
Bottom of Form
Credit Bureau Dispute, These Accounts Are Not Mine
Your Name
Your Address
Date
Please investigate the following accounts. I'm not sure they are all mine. I cannot
remember.
I understand that mistakes happen but this inaccurate information is costing me in
higher interest rates and I have enough expenses as it is. I'm hoping these end up all
deleted so I can get a loan!
YOUR SIGNATURE
Bottom of Form
Credit Bureau Dispute, Reason The Amount Listed I Owe Is Inaccurate
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Bottom of Form
Credit Bureau Dispute, Reason Outdated Reporting
Your Name
Your Address
Date
This letter is a formal request to remove outdated information from my credit report. For
easy reference, I've listed the items below which are outdated.
In accordance with the Fair Credit Reporting Act, Section 605 [15 U.S.C. § 1681c]
"Running of Reporting Period", as of December 29, 1997, reporting periods only run 7
or 10 years depending on the type of information. In my case, the information in
question expired as of [insert date].
I respectfully ask you to investigate my claim and if you find my claim to be valid then I
expect you to immediately remove the outdated items identified in this letter and any
additional outdated items that you discover during your investigation. Furthermore, after
correcting my credit file, I request that you forward a corrected copy of my credit report
to me at the address listed at the top of this letter.
Thank you for your consideration and cooperation in resolving this matter. If you have
any questions concerning this issue I can be reached at: {insert daytime phone number
including area code).
Sincerely,
YOUR SIGNATURE
Your Name
Your Address
Date
Line Item: {insert name of creditor, account number or line item number)
Furthermore, I request that you supply a corrected copy of my credit profile to me and
all creditors who have received a copy within the last 6 months, or the last 2 years for
employment purposes. Additionally, please provide me with the name, address, and
telephone number of each credit grantor or other subscriber that you provided a copy of
my credit report too within the past six months.
If your investigation shows the information to be accurate, I respectfully request that you
forward to me a description of the procedure used to determine the accuracy and
completeness of the item in question within 15 days of the completion of your re-
investigation as required by the Fair Credit Reporting Act.
I thank you for your consideration and cooperation. If you have any questions
concerning this matter I can be reached at (insert daytime phone number including area
code).
YOUR SIGNATURE
Your Name
Your Address
Date
These accounts were never paid late as it is reported. I request that you verify the
information and remove any inaccurate information from my credit report as quickly as
possible. The items in question are:
CREEDITORS NAME AND ACCOUNT NUMBER
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
I have disputed the below items several times with you to no avail.
You sent correspondence stating the account in question “WAS PREVIOUSLY
INVESTIGATED.” I proceeded to access my consumer report via [Recipient Name]'s
website and make copies of the information pertaining to:
While the correspondence that was sent by [Recipient Name] indicates the account was
previously investigated, it does NOT however state whether the dispute was determined
to be frivolous or irrelevant.
It has been over 30 days since [Recipient Name] received my dispute and I have not
received any other notices that my dispute was determined as being frivolous or
irrelevant and yet the item still remains on my file with a last investigation. Based on the
previous information, I am hereby demanding deletion of the adove accounts from my
[Recipient Name] file pursuant to 15 U.S.C. § 1681i(a)(1)(a). I will NOT accept another
reinvestigation of the account, ONLY deletion.
[Recipient Name] has 10 days from the receipt of this letter to cure or else I will be
forced to immediately proceed with litigation to recover damages caused by [Recipient
Name]'s willful and negligent noncompliance of the Fair Credit Reporting Act. If the
account in question is removed from my files within the 10-day timeframe as previously
stated, I will consider the matter to be closed and no further action will be taken. I look
forward to an amicable solution to this matter.
Top of Form
Credit Bureau Dispute, Identity Theft with Police Report and FTC
Complaint
Your Name
Your Address
Date
I am writing to dispute the following information in my file. The items I dispute are listed
below.
I am a victim of identity theft and did not make the charge. I ask that the item be
blocked to correct my credit report.
I reported the theft of my identity to both the Police and Federal Trade Commission and
I also have enclosed copies of the Federal Trade Commission’s Identity Theft Affidavit,
and the Police Report for this case. Please investigate these matters and block the
disputed item as soon as possible.
YOUR SIGNATURE
Your Name
Your Address
Date
I recently obtained a copy of my credit report, which contains accounts I can't remember
ever having! I have no idea what these accounts are and request they be removed. I am
NOT claiming fraud or identity theft - I do not honestly remember.
CREDIT ACCOUNT NAME AND ACCOUNT NUMBER
When my credit report has been corrected please send a corrected report to me.
YOUR SIGNATURE
Your Name
Your Address
Date
This letter is to request you to remove inaccurate information from my credit report.
Such inaccurate information has affected my chances of getting loans and credit. For
your convenience, I have supplied a list of inaccurate accounts below.
I hereby request you to make the changes within 30 days so as to avoid any violation of
the FCRA. Please send me a copy of the changed credit report at the earliest.
YOUR SIGNATURE
Your Name
Your Address
Date
Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items
within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in
writing of the outcome.Thank you for your time and consideration in this matter.
YOUR SIGNATURE
Your Name
Your Address
Date
I recently obtained a copy of my credit report from your service and have found the
following items to be in error.
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-
investigate those items indicated, and promptly delete any unverifiable, inaccurate, or
outdated information from my credit report.
In addition, I am requesting a description of how the investigation was conducted
along with the name, address, and telephone number of anyone contacted for
received my report, within the last two years for employment purposes, or within
Please send me an updated copy of my report, and notification that items have been
deleted. I will consider 30 days a reasonable time for your re-verification of these
items.
YOUR SIGNATURE
Your Name
Your Address
Date
After doing so please provide me with an updated credit report reflecting the changes.
YOUR SIGNATURE
Your Name
Your Address
Date
Please delete these accounts. The furnishers will not respond to my repeated attempts
for validation. I do not know what else to do but do understand the debts on ones
report need to be verifiable. These are not.
Please delete them and send me a full report when you complete this request so I may
continue to review my personal information etc for inaccuracies and unverifiable
information.
YOUR SIGNATURE
Bottom of Form
Credit Bureau Dispute, Creditor Won’t Respond to Dispute
Your Name
Your Address
Date
This is a request for deletion of these disputed items. I have attempted to have this
inaccurate and incomplete reporting verified by the furnisher of information to no avail. I
am respectfully requesting that you do what is legally mandated by the FCRA and
delete the account listing from my consumer file because it is unverifiable.
You received a notice of dispute from me resulting in you advising me that the account
had been verified. Knowing that the information could not in fact be verified, I proceeded
to dispute the information and request verification directly from the furnisher of
information, as the FCRA provides. After disputing with the furnisher, they have failed to
provide any proof or respond in any way. In fact - after THREE letters to them they have
STILL not responded which started over 90 days ago!
The FCRA states that information reported must be accurate and complete, updated
and verifiable. It also provides for a dispute mechanism that is initiated by the consumer
through the consumer reporting agency and the furnisher of information. As detailed
above, I have disputed the information for the referenced account, with both you and
the furnisher of information directly. I have exhausted all recourse provided for
resolution of erroneous information, but the information still remains on my consumer
report.
The FCRA provides a cause of action for an individual consumer as well as penalties
and liabilities for both consumer reporting agencies and furnishers of information for
non-compliance with its provisions. It is evident that the information reported cannot be
verified and therefore must be deleted as required. When a debt is disputed under
either mechanism, a notation must be entered on the debtor's report showing the item
as being in dispute. Again, this was not done and is a further violation of the FCRA.
Pursuant to the FCRA, if no proof of debt exists and the information reported is not
verifiable, it may not be furnished to the consumer reporting agenices nor reported by
them. The FCRA also states that consumer reporting agencies must accept written
proof from the debtor. Therefore, I am not asking for an investigation to be done, I am
requesting that the entry be deleted in its entirety as there is no proof of its existence
and the information presently reported is not verifiable.
YOUR SIGNATURE
YOUR FIRST AND LAST NAME
Bottom of Form
Credit Bureau Dispute, Addresses Don’t Match
Your Name
Your Address
Date
This letter is in reference to my credit report that I purchased. Enclosed you will find a
copy of the returned undeliverable mail.
You will note the delivery address on the envelope matches the information provided on
my credit report exactly. The responsibility of the data furnisher is outlined in the FCRA,
section 623. In part, it states:
"The FCRA prohibits information furnishers from providing information to a consumer
reporting agency (“CRA”) that they know (or consciously avoid knowing) is inaccurate.
However, the furnisher is not subject to this general prohibition if it clearly and
conspicuously specifies an address to which consumers may write to notify the
furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C )"
You are hereby notified that the data furnisher has not clearly and conspicuously
provided an address in which to conduct a dispute of inaccurate information. If this
information continues to report on my credit files, you will not be held harmless for
knowingly reporting false information.
I demand deletion of this tradeline from my report. Your compliance is expected and
appreciated.
YOUR SIGNATURE
Your Name
Your Address
Date
I am writing to dispute inaccurate account status on my credit report. The above referred
accounts are listed as "bankruptcy" whereas they should have been shown in the
credit report as "charge-off", "past due" and "delinquent" respectively. Such
incorrect listing have lowered my credit score and prevented me from buying a home of
my own.
I have attached a copy of my bankruptcy discharge order as proof. Please take a note
of the dates and update the account status at the earliest.
YOUR SIGNATURE
Your Name
Your Address
Date
My bank has informed me that there is negative information included in the credit file
maintained under my Social Security Number _________. Upon ordering a copy of the
report, I find that there is an entry from this creditor___________ in _____date
reported_______. However, I do not recall having such a debt in this year.
Please validate this information with [bank name] and provide me with copies of any
documents related to this listing bearing my signature. In absence of such documents
bearing my signature, I request for this information to be deleted from the file you
maintain under my Social Security Number.
YOUR SIGNATURE