Credit Reporting Agency Dispute Letter

 

 

(Debtors Full Name)

(Street Address),

(City, State & Zip)

 

(Credit Reporting Agency)

(Address)

(City, State & Zip)

 

Date:

Account Number(s):

 

IN Re: Credit Reporting Agency Disputed Item To Whom It May Concern,

It has come to our attention that you are reporting what we believe to

be inaccurate data which we dispute and this letter is an appeal for

your assistance.  As a reporting agency you are governed by the Fair

Credit Reporting Act (FCRA), which protects consumers from inaccurate,

outdated or invalidated information reporting of their credit file.

The FCRA states that it's the Bureau's responsibility to ensure that

all information contained within consumer credit files is accurate and

free from errors.

 

The following information has been allowed to be reported on my credit

file, I have been denied credit and have been public embarrassed and

humiliated.  In an effort to investigate these accounts, I contacted

the collection agency or the original creditor and asked for

documentation.  Among other things, I asked for evidence I was given

30-days notice to dispute the validity of the debt.

 

The FCRA, 15 U.S.C. Section 1692g(a), mandates in no uncertain terms

that a debtor has 30 days to dispute the validity of a debt.  If the

creditor cannot provide sufficient evidence that the debtor was given

adequate notice, the debtor must be given another 30-day

debt-validation period, and the creditor must provide evidence the

debtor is liable for the account(s) in question.

 

Attachments to support my claims on the following accounts have been

included with this dispute letter and are noted in the listing below.

I've sent several notices to these creditors or collection agencies

requesting validation of the account(s) below, but they failed to

provide adequate documentation proving my liability for the account in

question: I hereby dispute these debts and request the following items

be thoroughly investigated and deleted:

 

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

(Name of Creditor), Basis for Dispute, (Account Number), (Amount)

 

Upon completion of your investigation please send a detailed

description of the procedures used to determine the accuracy of the

account(s) I am disputing, as well as the name and contact information

of the agent conducting said investigation in case further

communication is necessary.  We reserve the right under [name of law]

Law to record any incoming conversations and we have no obligation to

advise you that they are being recorded.

 

Sincerely,

 

 

Signature

 

Sent by Certified Mail Signature required for delivery