<Your
Name>
<my address>
<your
credit card company name>
<Company address>
<Date>
Re:
Acct #XXX-XXX-XXXXXXX
To
Whom It May Concern:
I
recently pulled my credit report from Experian and TransUnion
and to my amazement, saw that you recently have decided to report me 30 days
late on this account in Nov 2007. I immediately disputed this information with
Experian and TransUnion and the results of the
investigation came back "verified". Not only was I never late on this
account, but according to the Fair Credit Reporting Act (FCRA), as the
information furnisher, you are required to notify me of the insertion of
negative listings.
Since
I have disputed the lates with the credit bureaus,
and you obviously "verified" them, I am very curious as to what kinds
of "records" you may have for this alleged account. Under the FCRA,
you are required to conduct an investigation on this account if I request it. I
therefore am submitting my written request to you to conduct an investigation.
Per the FCRA, you have 30 days to conduct this investigation and respond to my
request. If you do not respond within this time periord,
per the FCRA, you must remove this negative information.
Sincerely,
<Your name>
