How to Remove Any Negative Item on a FICO Credit Report in 4 Days or Less:

• FCRA § 605(b) (15 U.S.C. § 1681c-2)

• (Requires removal of each item from the credit report which you identify in your complaint
within 4 days of complaint getting submitted to CFPB)

• When used in tandem with the FTC Identity Theft A davit, this law can be used to
challenge the credit reporting agencies’ ability to verify the identity of the person who
opened all adversely-reporting accounts on a FICO consumer credit report, resulting in
deletion

• You Will Need:

• Copy of most recent credit report from all 3 bureaus (Equifax, TransUnion, & Experian,
most of these can be downloaded for free from each respective bureau’s website)
• Completed FTC Identity Theft A davit
• YOUR unique CFPB Complaint & demand for deletion

• Step 1: Obtain Credit Reports and Identify Negative Items You Want Removed:

• Download a copy of your most recent FICO credit report from each of the 3 bureaus
(These can be downloaded for free on Experian.com, transunion.com, and equifax.com
and are also available to view on annualcreditreport.com and creditkarma.com)
• Identify each item on the credit reports which you would like deleted from them (Typically,
this includes all accounts in charge o status as well as any hard inquiries and collections
reporting as a result of the charged-o accounts, i. e. accounts that have been closed
and marked as delinquent.)

• Step 2: Prepare Your FTC Identity Theft A davit:

• Go to identitytheft.gov and ll out your unique identity theft a davit for the accounts you
want deleted. Make sure that every negative account is included in your a davit. If you
have a lot of negative items that you want removed, it may be necessary to create
multiple identity theft a davits to ensure that all negative items that can be deleted will
be included in your CFPB complaint. Everyone’s case will be di erent. You can never
overcompensate. Once you le your FTC identity theft a davit, you will receive a
downloadable PDF version of the a davit and a unique crime report case number from
identitytheft.gov.

• Step 3: Prepare and Submit your CFPB Complaint:

• Go to cfpb.gov and set up an online account. You will write a CFPB complaint containing
your unique list of adverse items that you want removed from the FICO report at each
credit reporting agency. You will be ling a separate CFPB complaint with each separate
credit bureau (should be a total of 3). It is important that you include each negative
account you are challenging in the text of your CFPB complaint as well as all related hard
inquiries and collections which are reporting as a result of the negative accounts. There
may be multiple hard inquiries or multiple collections reporting as a result of just a single
negative account, so it may be necessary for you to attach separate PDF les listing out
the additional hard inquiries and collections to your CFPB complaint.
• Once the CFPB complaint is written, you’re all set! You will le separate CFPB complaints
for each credit reporting agency (typically Experian, TransUnion, and Equifax), and within
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 4 days, all of the negative items you identi ed in your complaint should be wiped out from
the credit report maintained at each credit reporting agency.

• Tips:

• If for some reason the credit reporting agencies don’t comply on the rst attempt or try to
claim that the accounts were somehow “veri ed,” you will send them a ‘Method of
Veri cation’ dispute letter invoking FCRA § 611 (15 U.S.C. § 1681I) which forces them to
reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of
information they used in order to return a “veri ed” response to the initial CFPB complaint
led at each bureau or delete all contested items in the initial CFPB complaint from the
FICO report they maintain. Since we know the credit reporting agencies never contacted
the FTC to verify the underlying facts alleged in your identity theft a davit, they will fail to
disclose the source of their initial ‘veri ed’ response, and will be forced to either delete all
contested items from the credit report they maintain or compensate you for all credit
denials attributable to the contested items in question for willful noncompliance and
negligent noncompliance with the FCRA.
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