Pages

Sunday, February 7, 2016

Credit Dispute Letters

Credit Dispute Letters Updated


These written .rtf documents can be opened in Microsoft Word and most other popular Word Processing programs. We recommend saving and renaming these documents, as needed.
Please understand that most standard disputes can easily be handled with the basic letters that are already included in the Credit-Aid Software Program.  The Credit-Aid "Dispute Wizard" Has the most common dispute items already included in the dropdown menus, and when a needed dispute item is not available in the dropdown menu, you can simply use the option for "Other Information I would like changed."
Occasionally a situation may arise that calls for a customized letter. The following letters can easily have edited and printed from your Word processor, or they can also be copied and pasted into the Credit-Aid Program (to edit and save in your client's profile).  To copy and paste from these documents into Credit-Aid, go into the Credit-Aid Program, go into the STOREROOM section and SELECT ANY LETTER, once that letter displays in the Editor/Viewer window, highlight the copy and paste from your Word Processor into the Letter Editor/Viewer and save the letter.
Credit-Aid's intended use is to help automate the time-consuming process of obtaining credit reports, correcting errors in credit reports, communicating with credit bureaus, creditors and collection agencies, negotiating with creditors, and contesting items within credit reports.  Our software and written materials offer credit information, not legal advice.  Please do not contact us for legal advice.  We make every effort to ensure the accuracy of the information and to clearly explain your options.  However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances).  For legal advice, please consult an attorney in your state.
1) Dispute Items - Credit Bureau (alternate)
2) Remove Inquiry - Creditor (alternate)
3) Dispute Items - Credit Bureau
4) Dispute Item - Creditor or Credit Bureau - (alternate)
5) Temporarily Stops Collection
6) Dispute Collections
7) Dispute Follow-up Letter (after 30 days)
8) Dispute Follow-up (after 60 days)
9) Inaccurately Reported after Investigation Request (The Prove it Letter):
10) Dispute Item "Not Mine"
11) Request to Describe Investigation Procedures
12) Validate Debt Item- Creditor or Credit Bureau
13) Dispute Items – Creditor
14) Intention to File Complaint with FTC- Credit Bureau
15) Intention to File a Complaint with the FTC- Follow-up after 30 days
16) Notice of Intent to File Complaint to FTC - Credit Bureau Follow-up after 60 days
17) Sample Frivolous Dispute Letter #1
18) Sample Frivolous Dispute Letter #2



1). Dispute Items - Credit Bureau (alternate)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report.

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is.

Can you please investigate the following information and either remove it or at least send me the information that you used to add it to my report.

Thank You

Signature
Customer Name
Social Security Number
Address


2). Remove Inquiry- Creditor (alternate)

<Creditor Name Here>

Credit Bureau Dispute Department Fax #: <Fax Number Here>
According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization cannot be found, please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty (30) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Signature
Customer Name
Social Security Number
Address

Burden of Proof


3). Dispute Items - Credit Bureau

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 cannot be verified, you are obligated by law to remove the item.

In the event that you cannot verify the item pursuant to the Fair Credit Reporting 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. Multnomah 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.

Signature
Customer Name
Social Security Number
Address


4). Dispute Item- Creditor or Credit Bureau - (alternate)

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 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 following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible.
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 months, or the 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 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.

Signature
Customer Name
Social Security Number
Address


5). Temporarily Stops Collection

Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Be advised that I am not requesting a "verification" that you have my mailing address, I am requesting a "validation;" that is, competent evidence that I have some contractual obligation to pay you.

You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me.

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.

Signature
Customer Name
Social Security Number
Address


6). Dispute Collections
Your Name
Mailing Address
City, State, Zip

Today's Date
Name of Collection Agency
Mailing Address
City, State, Zip
Re: Dispute of Collections Action: Case # ____________.
 [If a collection agency has sent written notice, your case number is likely in the letter. If you have not received a written notice from the collection agency, tailor this line accordingly. For example, show the date you were contacted by the collection agency and/or identify the creditor by name if you can.]
To [person whose name appears on agency's notice to you]:
On [date] I was contacted by [name of person who called you] of your agency, who informed me that [name of collection agency] is attempting to collect [amount of claimed debt]. This individual is collecting on behalf of [name of creditor]. [OR] This individual would not tell me for whom you are supposed to be collecting.
[OR]
On [date] I received a written notice of the claimed debt, a copy of which is attached.
This is to inform you that I dispute the debt because [insert reason for dispute, e.g. the agency has mistaken you with someone else or the debt has been paid. Include copies, not originals, of any correspondence that support your dispute]. I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
[If you wish to still speak to a collector by phone, indicate the times when it is okay to contact you or note the name, address, and phone number of your attorney, if you have retained one.]
Please acknowledge that you have received this notice by [Pick a date that is two weeks from date of letter].
Sincerely,

_________________________________
(Signature)
Your name




7). Dispute Follow-up Letter (after 30 days)

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of <insert date>, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty (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 (FTC) (see 15 USC 41, et seq.).

I am maintaining a careful record of my communications with you 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 your willful non-compliance.

Be aware that I am making a final goodwill 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 months, or the 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.

Signature
Customer Name
Social Security Number
Address

Burden of Proof


8). Dispute Follow-up (after 60 days)

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, 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 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:

Please evidence your authorization under 15 use 1692 (e) and 15 use 1692 (f) in this alleged matter.
What is your authorization of law for your collection of information?
What is your authorization of law for your collection of this alleged debt?
Please evidence your authorization to do business or operate in the state of <State>.
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.

Your 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

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: Defamation, Negligent Enablement of Identity Fraud, and 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.

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 statement, election, or waiver of status.


Signature
Customer Name
Social Security Number
Customer Address


9). Inaccurately Reported After Investigation Request
(The Prove It Letter):

Full Name
Street Address
City, State, Zip
Social Security #
Date of Birth
Phone Number

Date
Name of Credit Bureau
Street Address
City, State, Zip

Attn: Customer Relations Department
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Creditor/Subscriber Name:
Account Number:
Reason Item Is Incorrect:

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.
Sincerely,
(Signature)
Full Name


10). Dispute Item "Not Mine"

I have recently received a copy of my credit report. The <CREDIT BUREAU NAME> 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 me the required documents.

This is a written dispute of 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.

Signature
Customer Name
Social Security Number
Customer Address


11). Request to Describe Investigation Procedures

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 with this reinvestigation.

I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 15 days allowed.

As already stated, the listed item is inaccurate and incomplete, and is a very serious error in reporting. Please supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Signature
Customer Name
Social Security Number
Customer Address


12). Validate Debt Item- Creditor or Credit Bureau

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 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 following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible:
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 months, or the 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 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.

Signature
Customer Name
Social Security Number
Customer Address


13). Dispute Items – Creditor

<Creditor Name Here>
Credit Bureau Dispute Department Fax #: <Fax Number Here>
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 a history. If you'll review your records I think that you will find your reported notations are inaccurate.

The erroneous status of your credit reporting agency records 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:

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.

Copies of all documents and financial instruments used to pay the disputed late payments.

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.

This information and documentation is critical and time is of 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.

Sincerely,
Signature
Customer Name
Social Security Number
Customer Address


14). Intention to File Complaint with FTC- Credit Bureau

This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated <insert date>, as well as my follow-up letter dated <insert date>. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

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.CaI. Nov. 14, 1995), you may be liable for your willful noncompliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago:
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.

Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.

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 15 days of the completion of your re-investigation.

Signature
Customer Name
Social Security Number
Customer Address


15). Intention to File a Complaint with the FTC- Follow-up after 30 days
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of <insert date>, deposited by registered mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty (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 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 your willful non-compliance.

Be aware that I am making a final goodwill 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 months, or the 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)
Signature
Customer Name
Social Security Number
Customer Address


16). Notice of Intent to File Complaint to FTC - Credit Bureau Follow-up after 60 days
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated 2/10/1999, as well as a follow-up letter, dated 3/20/1999. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.

As you are well aware, 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 your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago:
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of both damages, costs, and attorney's fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.

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 15 days of the completion of your re-investigation.
Signature
Customer Name
Social Security Number
Customer Address


17). Sample Frivolous Dispute Letter #1

Your Name
Street Address
City, State Zip Code

Credit Bureau Name
Street Address
City, State Zip

Date

Dear Credit Bureau,

I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as "frivolous" or "irrelevant". I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact, if you do not honor my original request to verify the items contained in my previous letter, mailed Sept 25th via certified mail, I will file a complaint with the Federal Trade Commission against your company.

I have included my original disputes for your convenience below:

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible:

Item- #                 Account Name and Number                Reason Of Dispute
1.
2.
3.
4.
5.
6.
7.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Sincerely,

Your Name
Your Social Security Number


18). Sample Frivolous Dispute Letter #2

Your Name
Street Address
City, State Zip Code

Credit Bureau Name
Street Address
City, State Zip

Date

Dear Credit Bureau,

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and 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 following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible:

Item- #              Account Name and Numb             Reason Of Dispute
1.
2.
3.
4.
5.
6.
7.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation.

Sincerely,


Your Name
Your Social Security #

What's Refunded If My Loan Is Higher Than My Estimate?