Date:
(Name of credit bureau)
(Address of credit bureau)
Attn: Consumer Relations
To whom it may concern:
On (date of investigation request), I sent you a request to investigate certain items on my credit report that I believe to be incorrect or inaccurate. As of today, (# of weeks you waited) have passed, and I have not yet received a response from you. Under the Fair Credit Reporting Act, you are required to respond "within a reasonable time." If the information cannot be verified, please delete it from my credit report. I would appreciate your immediate attention in this matter. Please inform me of the results.
Sincerely,
(Your Name)
(Address)
(Date of Birth)
(Social Security Number)
_________________________________________________
Sample Letter - Reminder to Respond (1)
Date:
Name and Address of
Credit Bureau
Re: Reminder to Respond
Dear Sir / Madam:
Thirty days ago I sent you a letter disputing certain items on my credit report which were inaccurate or incomplete. Attached is the original letter.
Please note that under the provisions of the Fair Credit Reporting Act (FCRA), 30 days is considered as reasonable time for responding to my request for verification of the disputed items, unless additional time is requested by your firm in writing. In addition, failure to verify these items within the 30-day period, constitutes reason to drop them from my file, pursuant to sections 623(a)(1)(b) and 623(a)(3) of the FCRA.
Please respond immediately so that I do not need to pursue my legal rights under the FCRA, which requires your compliance with the law.
Also, please send me a copy of the requested credit report to the address shown below.
Sincerely,
Your Name
Address
Date of Birth
Social Security Number
_________________________________________________
Name and Address of
Credit Bureau
Re: Reminder to Respond
Dear Sir / Madam:
Thirty days ago I sent you a letter disputing certain items on my credit report which were inaccurate or incomplete. Attached is the original letter.
Please note that under the provisions of the Fair Credit Reporting Act (FCRA), 30 days is considered as reasonable time for responding to my request for verification of the disputed items, unless additional time is requested by your firm in writing. In addition, failure to verify these items within the 30-day period, constitutes reason to drop them from my file, pursuant to sections 623(a)(1)(b) and 623(a)(3) of the FCRA.
Please respond immediately so that I do not need to pursue my legal rights under the FCRA, which requires your compliance with the law.
Also, please send me a copy of the requested credit report to the address shown below.
Sincerely,
Your Name
Address
Date of Birth
Social Security Number
_________________________________________________
Sample Letter - Request a Merge Inquiry
Date:
Name and Address of
Credit Bureau
Re: Request to Merge Inquiry with Account
Dear Sir / Madam:
I recently received my credit report and found problems of inaccurate reporting. A copy of the credit report is attached, with the items marked.
The presence of the inquiries as entries separate from the resulting account inaccurately duplicates information. The inquiries also reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be removed, or at least merged into the accounts to which they belong.
Under the provisions of the Fair Credit Reporting Act (FCRA), amended July 1999, please investigate and delete these disputed items. I will assume that 30 days constitutes reasonable time to complete this request, unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly deleted according to the provisions of the FCRA.
Please send me a copy of the requested credit report to the address shown below.
Sincerely,
(Your Name)
(Address)
(Date of Birth)
(Social Security Number)
_________________________________________________
Name and Address of
Credit Bureau
Re: Request to Merge Inquiry with Account
Dear Sir / Madam:
I recently received my credit report and found problems of inaccurate reporting. A copy of the credit report is attached, with the items marked.
The presence of the inquiries as entries separate from the resulting account inaccurately duplicates information. The inquiries also reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be removed, or at least merged into the accounts to which they belong.
Under the provisions of the Fair Credit Reporting Act (FCRA), amended July 1999, please investigate and delete these disputed items. I will assume that 30 days constitutes reasonable time to complete this request, unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly deleted according to the provisions of the FCRA.
Please send me a copy of the requested credit report to the address shown below.
Sincerely,
(Your Name)
(Address)
(Date of Birth)
(Social Security Number)
_________________________________________________
Subscribe to:
Posts (Atom)
