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Easy Credit Repair Letters: Over 70 Premium Credit Repair Dispute Letters and Qu

Easy Credit Repair Letters

Over 70 Premium Credit Repair Dispute Letters and Quick Start Guide to Remove ALL Negative Entries from Your Credit Reports

Published by Doublewide Outhouse, 2015.

EasyCreditRepairLetters.com

While every precaution has been taken in the preparation of this book, the publisher assumes no responsibility for errors or omissions, or for damages resulting from the use of the information contained herein.

EASY CREDIT REPAIR LETTERS

First edition. October 30, 2015.

Copyright © 2015 EasyCreditRepairLetters.com.

Written by EasyCreditRepairLetters.com.

“For Hunter”

Table of Contents

Quick Start Guide

Get your FREE Credit Reports

Experian

Equifax

TransUnion

Removing Negative Information

The Next Step

Method of Verification Request

Validation Request

Dispute Letter Library

Credit Bureau Dispute, Dates Reporting Dispute

Credit Bureau Dispute, Status Dispute

Credit Bureau Dispute, Addresses Don’t Match

Credit Bureau Dispute, Creditor Won’t Respond to Dispute

Credit Bureau Dispute, Creditor Won’t Respond to Me

Credit Bureau Dispute, Date-of-Last-Activity Is Wrong

Credit Bureau Dispute, Dates Reported Are Inaccurate

Credit Bureau Dispute, General No Reason for Dispute

Credit Bureau Dispute, General No Reason

Credit Bureau Dispute, General No Reason

Credit Bureau Dispute, I Have No Idea What These Accounts Are

Credit Bureau Dispute, Identity Theft with Police Report and FTC Complaint

Credit Bureau Dispute, My Dispute is Valid, and I Supplied My IDs Verifying My ID

Credit Bureau Dispute, No Valid Investigation

Credit Bureau Dispute, Reason I Didn’t Pay Late

Credit Bureau Dispute, Reason Items are Erroneous and Unverifiable

Credit Bureau Dispute, Reason Outdated Reporting

Credit Bureau Dispute, Reason The Amount Listed I Owe Is Inaccurate

Credit Bureau Dispute, Something is Wrong with the Reporting of These Items, General Dispute

Credit Bureau Dispute, These Accounts Are Not Mine

Credit Bureau Dispute, These Items I Don’t Recall

Credit Bureau Dispute, Verification Procedure

Credit Bureau Dispute, Wrong Account Number

Credit Bureau Dispute, Wrong Balance

Credit Bureau Dispute, Wrong Credit Limit

Credit Bureau Dispute, Wrong Creditor Information

Credit Bureau Dispute, Wrong Default Date

Credit Bureau Dispute, Wrong High Credit Limit

Credit Bureau Dispute, Wrong Status

Credit Bureaus, Reason Collection Company Failed to Delete Item they Agreed to

Credit Bureaus, Reason Correct Personal Information

Response to Stall Tactic “We Don’t have your ID”, Credit Bureaus

Add a Consumer Statement to your Credit file with the Credit Bureaus

Free Credit Report Request from Credit Bureau, Reason Denied Credit

Identity Theft Notification

Identity Theft Notification to Credit Bureaus

Opt Out Request to Credit Bureaus

Request a Free Annual Credit Report from Credit Bureaus Directly

Inquiry Dispute, Credit Bureaus

Remove Inaccurate Personal Information from Credit Bureaus

Advanced Dispute, Don’t Owe Debt, 2nd Time for Disputing Account, Reason Fair Debt Collection Practices Act

Debt Expired By Statute of Limitations to a Collection Agency

Advanced Dispute, Debt Validation Request Follow Up 2

Advanced Dispute, Debt Validation Request Follow Up

Advanced Dispute, Debt Validation Request for Creditor Follow Up Letter, Reason Fair Debt Collection Practices Act

Advanced Dispute, Debt Validation Request for Creditor, Reason Fair Debt Collection Practices Act

Advanced Dispute, Debt Validation Request, Fair Debt Collection Practices and Billing Act

Advanced Dispute, Debt Validation Request

Advanced Dispute, Debt Validation Simple, Direct to Creditor

Advanced Dispute, Debt Validation SOL

Advanced Dispute, Debt Validation, Fair Billing Act Request

Advanced Dispute, Debt Validation/ Verification

Advanced Dispute, to Creditor Verifying Details, Reason Never Paid Late

Advanced Tactic, Fair Trade Commission Complaint Letter

Advanced Dispute, Filed Suite per the Debt Collection Practices Act, Direct to Creditor

Advanced Dispute, Good Faith Request to Creditor to Remove Negative Information, NEEDS CUSTOMIZATION

Advanced Dispute, Goodwill Deletion Request

Intention to File Complaint with FTC Credit Bureau Example#1

Advanced Letter, Item Settled, Demand to Delete item per Fair Debt Collection Practices Act

Remove Inquiry Creditor Example 1

Advanced Dispute, Collection Complaint to the State Attorney

Sample Motion to Vacate Judgment

Advanced Dispute, Statute of Limitations Expired

Advanced Dispute, To Delete Repossessions, Direct to Creditor

Advanced Dispute, To Dispute Credit Card Reported Errors, Direct to Creditor

Validate Debt Item – Collector – Temporarily Stop Collections by Law – Example #1

Validate Debt Item – Creditor or Credit Bureau – Follow 30 days – Example #1

Advanced Dispute, Violated Fair Debt Collection Practices Act, Several Reasons

Advanced Dispute, Your are Violating the Laws, Direct to Creditor

Pay-to-Delete, Formal Agreement to Settle Debt with Collection Company

Pay-to-Delete Collection Agency Request

Quick Start Guide

Get your FREE Credit Reports

Removing all negative entries from your credit reports does not need to be difficult or time consuming. Follow this simple step-by-step plan to get started immediately.

First, you need to get a copy of your three credit reports from the major credit reporting agencies, Experian, Equifax and TransUnion. You are entitled to request one free copy per year. Go to the official government website to request them for free. Annualcreditreport.com is the only place where you can get a free copy of your credit reports:

www.annualcreditreport.com

If you cannot request them online, you can mail a request for a copy to them directly at the following addresses:

Experian

P.O. Box 9556 Allen TX, 75013

Equifax

P. O. Box 740241 Atlanta, GA 30374-0241

TransUnion

P.O. Box 2000 Chester, PA 19022-2000

Also, if you have been denied credit you are entitled to a copy of the credit report used to make the negative decision but you must request it within 60 days. When you were denied credit you were provided with a letter which states which bureau was used to provide the information that caused the negative decision. Write to the bureau (or go online) if you would like to receive a copy of the report.

Removing Negative Information

Once you have copies of all of your credit reports, you can start to remove the information. Send a simple letter with a copy of your credit report and the following information:

Your Name

Your Address

Name of Credit Bureau

Dear Credit Bureau,

You are reporting information about me which is inaccurate. The following items are incorrect. I have also enclosed a copy of my credit report with the account(s) in question clearly circled:

1. Account Number, Account Type

2. Account Number, Account Type

3. Account Number, Account Type

The above items are inaccurate. Please investigate and remove them immediately.

Encl: Credit Report (any additional information you will be enclosing)

The bureaus are required to investigate your dispute and provide you with the results within 30 days. They are required to delete information which is inaccurate, and to mail you a letter clearly explaining the results of their investigation and what steps they have taken (deleted, updated, etc.).

Make sure you send the letter via certified mail and keep copies of all information for your records. Never file a dispute online.

The Next Step

Within about 30 days you will receive responses from the bureaus. With the responses they are required to provide you with a new, updated copy of your credit report. If they have deleted the accounts, then your job is over. Make sure you do not contact the bureaus again regarding information marked as “deleted” in the response you receive from them.

Method of Verification Request

If the disputed items remain, send the credit bureau another letter and request what is called “method of verification” proof. Do this quickly, as you must request this proof within 15 days from the conclusion of your initial dispute. The best way to do it is to immediately send out this letter the same day you receive your dispute results from the bureaus. You can use the following letter as a guide:

Your Name

Your Address

Name of Credit Bureau

Dear Credit Bureau,

I previously disputed items which you verified as accurate. Please provide me with your method of verification or I am going to file a complaint against your company with the CFPB. Specifically, provide me with the following information in accordance with the FCRA:

1. Copies of any documents you used to make your decision, including electronic correspondence of all types

2. A copy of all information you sent to the data furnisher during your investigation, including transcripts of all telephonic conversations and any information you received from the data furnisher

3. The name, job title and contact information of the individual(s) you contacted at the data furnisher

4. The name, job title and contact information of all employees within your organization who played any part in handling this dispute

Obviously your continued reporting of this inaccurate information is causing me financial distress. Please provide me with the above information and delete these accounts from your report immediately. If I have not heard from you within 30 days from the date you receive this certified letter I will be filing a complaint against you, initiating other legal action, or both.

Encl: Credit Report (any additional information you will be enclosing)

The above actions typically result in the removal of over 90% of all negative information from credit reports regardless of the age or original disposition of the debt. If the steps above do not remove the items, you may need to file a complaint through a consumer protection agency. I prefer the CFPB. Any agency you choose will be free.

If you have collection accounts that won’t stay off of your credit reports, you may need to send them a validation request.

Validation Request

Here is an example “validation request” you could send to a collector:

Your Name

Your Address

Name of Collector

Dear Collector,

You are claiming I owe you a debt which is inaccurate. Please provide me validation of this debt immediately.

Account Number, Account Type

As you are no doubt aware, invalidated information must be removed from my credit reports immediately. Please note that I am not concerned with VERIFICATION of this debt. Send me VALIDATION at once.

From the date you receive this letter cease and desist from reporting this information onto my credit reports. Continuing to do so violates my rights and I will take action against you.

In your validation response, provide me with the following:

1. A description of what the money you are alleging I owe you is for

2. A detailed reconciliation of this account and how you have calculated the amount you claim I owe you

3. An explanation of who the original creditor is, when this account was last paid to the original creditor, and an originating document

4. Send me proof that the statute of limitations on this account has not expired

5. Include your license number (all of them), and your registered agent(s) information

Immediately cease reporting of this account during this validation period in accordance with the law, and make no further attempt to contact me regarding this account other than to notify me of your error by regular postal mail. I am closely monitoring and cataloging all communications with your company.

If you do not have validation or your records indicate you are attempting to collect this debt in error, send me a response stating this and immediately remove this account from my credit reports. If you continue to report inaccurate information you are in violation of section 809(b) of the FDCPA and FCRA rule 611(a) and subject to a fine of $1,000 per violation which I intend to pursue if necessary.

Your Name,

Encl: (any enclosures)

The collector then has AN UNLIMITED amount of time to respond to your validation request, but they cannot report information onto your credit reports until they do so. They are not allowed to continue to report the information onto your credit report during the time they are trying to provide you with validation. Many times they simply do not provide validation at all, meaning the account must be deleted from your credit report. If you request validation and do not receive it, and the item is not removed from your credit report, then you can easily file a complaint with a consumer protection agency to have it removed for free. I use the Consumer Financial Protection Bureau. You can file your complaint here.

That’s all there is to it!

 

Anyone can repair their own credit for free by simply utilizing the consumer protection laws that are already in place. It is a time consuming process that will take months to complete, so download this outstanding, simple solution and get started fixing your credit RIGHT NOW by requesting your credit reports from annualcreditreport.com and sending your initial disputes to the bureaus. Time is money is never more important than when dealing with the long process of credit repair.

 

Seriously, get to it.

Dispute Letter Library

Thanks for Downloading!

 

Thank you for downloading your copy of Easy Credit Repair Letters. Remember to always re-write the letters in this document library so that they accurately reflect and portray your individual circumstances.

 

Want to download all of these letters in an easy Word format that you can copy&paste your information into?

 

Head to EasyCreditRepairLetters.com, enter your eMail and click download.

 

www.EasyCreditRepairLetters.com

 

THIS IS NOT A MAILING LIST

 

You will receive ONE eMail which will have a .ZIP file of these letters attached in Word format. Your eMail address will not be retained, sold, transferred or ever used again other than to send you these free letters.

 

Thanks again for reading and good luck with your credit repair!

Credit Bureau Dispute, Dates Reporting Dispute

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

My bank has informed me that there is negative information included in the credit file maintained under my Social Security Number _________. Upon ordering a copy of the report, I find that there is an entry from this creditor___________ in _____date reported_______. However, I do not recall having such a debt in this year.

Please validate this information with [bank name] and provide me with copies of any documents related to this listing bearing my signature. In absence of such documents bearing my signature, I request for this information to be deleted from the file you maintain under my Social Security Number.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Status Dispute

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

 

I am writing to dispute inaccurate account status on my credit report. The above referred accounts are listed as “bankruptcy” whereas they should have been shown in the credit report as “charge-off”, “past due” and “delinquent” respectively. Such incorrect listing have lowered my credit score and prevented me from buying a home of my own.

I have attached a copy of my bankruptcy discharge order as proof. Please take a note of the dates and update the account status at the earliest.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Addresses Don’t Match

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This letter is in reference to my credit report that I purchased. Enclosed you will find a copy of the returned undeliverable mail.

You will note the delivery address on the envelope matches the information provided on my credit report exactly. The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states:

“The FCRA prohibits information furnishers from providing information to a consumer reporting agency (“CRA”) that they know (or consciously avoid knowing) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623(a)(1)(A) and (a)(1)(C )”

You are hereby notified that the data furnisher has not clearly and conspicuously provided an address in which to conduct a dispute of inaccurate information. If this information continues to report on my credit files, you will not be held harmless for knowingly reporting false information.

I demand deletion of this tradeline from my report. Your compliance is expected and appreciated.

Please send me an updated report when complete.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Creditor Won’t Respond to Dispute

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable.

You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact – after THREE letters to them they have STILL not responded which started over 90 days ago!

The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported cannot be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor’s report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable.[_ _]

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Creditor Won’t Respond to Me

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

Please delete these accounts. The furnishers will not *]respond to my repeated attempts for validation. I do not know what else to do but [*do understand the debts on ones report need to be verifiable. These are not. 

Please delete them and send me a full report when you complete this request so I may continue to review my personal information etc for inaccuracies and unverifiable information.

ACCOUNT NAME AND NUMBER

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Date-of-Last-Activity Is Wrong

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The date-of-last-activity you are reporting for this account don’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Dates Reported Are Inaccurate

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The dates you are reporting for this account don’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, General No Reason for Dispute

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I recently obtained a copy of my credit report from your service and have found the following items to be in error.

CREDITOR NAME AND ACCOUNT NUMBER

According to Section 611 of the Fair Credit Reporting Act, I am requesting that you
re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted
along with the name, address, and telephone number of anyone contacted for
information. Furthermore, if there is a change in my credit history resulting
from your investigation, I am requesting that an updated report be sent to those
who received my report, within the last two years for employment purposes, or
within the last one year for any other purpose.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-verification of
these items.

Thank you for your prompt attention in this matter.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, General No Reason

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am writing for two (2) reasons:

1. To dispute certain information in my credit file; and

2. To have you investigate/re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion.The item(s) I dispute are identified below.

This item is inaccurate. I am requesting that the item be deleted from my credit5 records.

ACCOUNT NAME AND NUMBER

Please reinvestigate this (these) matter(s) and (delete or correct) the disputed items within the time frame required by the Fair Credit Reporting Act (FCRA) and inform me in writing of the outcome.Thank you for your time and consideration in this matter.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, General No Reason

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I have supplied a list of inaccurate accounts below.

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, I Have No Idea What These Accounts Are

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

[
__]I recently obtained a copy of my credit report, which contains accounts I can’t remember ever having! I have no idea what these accounts are and request they be removed. I am NOT claiming fraud or identity theft – I do not honestly remember. 

CREDIT ACCOUNT NAME AND ACCOUNT NUMBER

When my credit report has been corrected please send a corrected report to me.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Identity Theft with Police Report and FTC Complaint

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am writing to dispute the following information in my file. The items I dispute are listed below.

I am a victim of identity theft and did not make the charge. I ask that the item be blocked to correct my credit report.

I reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission’s Identity Theft Affidavit, and the Police Report for this case. Please investigate these matters and block the disputed item as soon as possible.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, My Dispute is Valid, and I Supplied My IDs Verifying My ID

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

Thank you very much for taking a request for my credit information seriously and questioning it’s accuracy with me.

I am attesting to you that yes it is accurate. I did request you investigate the following accounts as I am concerned these accounts are either not mine as I don’t recall them, or they are reporting incorrect dates or something is wrong with them in some way. Please investigate:

ACCOUNT NAME AND NUMBER

I have again included proof of my identity to help expedite this request.

Please send me an updated report when your investigation is complete as I understand I can contact the creditors themselves. Please ensure that accurate contact information for these creditors is included.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, No Valid Investigation

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I have disputed the below items several times with you to no avail. 

You sent correspondence stating the account in question “WAS PREVIOUSLY INVESTIGATED.” I proceeded to access my consumer report via [Recipient Name]‘s website and make copies of the information pertaining to:

ACCOUNT NAME AND NUMBER

15 U.S.C. § 1681i(a)(1)(a) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. 

While the correspondence that was sent by [Recipient Name] indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant. 

It has been over 30 days since [Recipient Name] received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the adove accounts from my [Recipient Name] file pursuant to 15 U.S.C. § 1681i(a)(1)(a). I will NOT accept another reinvestigation of the account, ONLY deletion. 

[Recipient Name] has 10 days from the receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by [Recipient Name]‘s willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10-day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken. I look forward to an amicable solution to this matter. 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Reason I Didn’t Pay Late

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

These accounts were never paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Reason Items are Erroneous and Unverifiable

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This letter is a formal request to correct inaccurate information contained in my credit file. The item(s) listed below is/are completely (insert appropriate word(s) {inaccurate, incorrect, incomplete, erroneous, misleading, outdated} ). I have listed the items below which are incorrect and need to be deleted from my credit file.

Line Item: {insert name of creditor, account number or line item number)

Item Description: (this info is found on your credit report)

In accordance with the federal Fair Credit Reporting Act (FCRA), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately {delete, update, correct} the item.

Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months.

If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.

I thank you for your consideration and cooperation. If you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Reason Outdated Reporting

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This letter is a formal request to remove outdated information from my credit report. For easy reference, I’ve listed the items below which are outdated.

Line Item {insert number}:

{insert name and date of item}

In accordance with the Fair Credit Reporting Act, Section 605 [15 U.S.C. § 1681c] “Running of Reporting Period”, as of December 29, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of [insert date].

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.

Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

Thank you for your consideration and cooperation in resolving this matter. If you have any questions concerning this issue I can be reached at: {insert daytime phone number including area code).

Sincerely,

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Reason The Amount Listed I Owe Is Inaccurate

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The amount that is reported I owe is inaccurate as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Something is Wrong with the Reporting of These Items, General Dispute

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

Thank you very much for taking a request for my credit information seriously and questioning it’s accuracy with me.

I am attesting to you that yes it is accurate. I did request you investigate the following accounts as I am concerned these accounts are either not mine as I don’t recall them, or they are reporting incorrect dates or something is wrong with them in some way. Please investigate:

ACCOUNT NAME AND NUMBER

Please send me an updated report when your investigation is complete as I understand I can contact the creditors themselves. Please ensure that accurate contact information for these creditors is included.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, These Accounts Are Not Mine

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

Please investigate the following accounts. I’m not sure they are all mine. I cannot remember.

I understand that mistakes happen but this inaccurate information is costing me in higher interest rates and I have enough expenses as it is. I’m hoping these end up all deleted so I can get a loan!

ACCOUNT NAME AND NUMBER

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, These Items I Don’t Recall

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

Thank you for deleting some of the accounts which incorrectly appeared on my credit report. However, I still dispute the following remaining items. Some of them I don’t recall/remember are STILL on my report. Some of these creditors I have never heard of and/or do not have any contact information for the creditor.

In accordance with the Fair Credit Reporting Act, Section 1681i, I ask that you reinvestigate these items and delete them from my report. 

[AccountItemList]

Furthermore, I would appreciate the names of the individuals you contacted for verification, along with their addresses and phone number so I may follow up.[_   _]

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Verification Procedure

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

RE: Formal Request for Verification Procedures 
FCRA § 611. Procedure in case of disputed accuracy [15 U.S.C. § 1681i] 

To Whom It May Concern: 

I received notice that you verified certain tradelines on my credit report from the following companies: 

ACCOUNT NAME AND NUMBER

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don’t provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this tradeline be past the reporting timeframe? Don’t provide the generic “7 years” response; I am aware of that. Tell me [*specifically *]when these accounts allegedly became delinquent, and [*specifically *]when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 

Supply your response within 15 days or delete the tradelines. 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Account Number

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The account number listed on my report doesn’t match any of my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Balance

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The balance you are reporting I owe is incorrect, and doesn’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Credit Limit

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The credit limit you are reporting is incorrect, and doesn’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Creditor Information

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

I do not recognize this creditor on my report at all. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Default Date

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

 

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The date you have this item reported as a charge-off doesn’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong High Credit Limit

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The high-credit-limit you are reporting for this account is incorrect, and doesn’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureau Dispute, Wrong Status

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am contacting you because I have found some information that is inaccurate on my credit report.

 

The status you are reporting for this account is incorrect, and doesn’t match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are:

 

CREEDITORS NAME AND ACCOUNT NUMBER

 

After doing so please provide me with an updated credit report reflecting the changes.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureaus, Reason Collection Company Failed to Delete Item they Agreed to

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

  Attached please find a letter I received from a collection agency on ________.  The letter states: “We have also deleted this collection item from your credit report.”  Clearly the agency failed to do so, as the collection record shows on my credit report as “________”.

The item in question is:

ENTER CREDITOR NAME AND ACCOUNT NUMER

Please remove this item from my credit history immediately as the creditor and I both have requested.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Credit Bureaus, Reason Correct Personal Information

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I have reviewed my report recently. There were names and addresses on it that are incorrect – spelling errors or just plain wrong. PLEASE fix EVERYTHING in my personal information that is NOT the following:  

1. My Name: This is my legal name:  [Your First Name] [Your Last Name]
Please delete any other references to names as they are not mine and I have never used any of them.                                  

2. My Address: Also, please be sure that my address is listed correctly. My address should read: [AddressLine1] [CityStatePostalCode]

Please send me a new report when you are completed so I may continue to verify its’ accuracy.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Response to Stall Tactic “We Don’t have your ID”, Credit Bureaus

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I am angry. You are delaying doing your job! I need my credit profile restored as soon as possible. There are MANY errors I am trying to fix and I am getting the RUNAROUND from you people!

THIS IS THE SECOND time you have asked for ID. I ALREADY provided that to you last month! Did you lose it or something?

If I don’t get my results from my request to you – I will file a complaint on you.

I AM tired of your stall tactics! YOUR inaccurate reporting is what is causing this mess in the first place!

Attached is ANOTHER copy of my ID --  THIS TIME PLEASE send me my results from now OVER 45 days ago!

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Add a Consumer Statement to your Credit file with the Credit Bureaus

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

It is my understanding under the Fair Credit Reporting Act (FCRA) that I am entitled to provide a statement explaining negative information in my credit report. Below is my personal statement I would like to add regarding (insert company name).

(Explain in detail what caused this account to go negative. Remember to keep your statement at 100 words or less)

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Free Credit Report Request from Credit Bureau, Reason Denied Credit

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I was recently denied credit and would like to request a free copy of my credit file to find out why. My personal information is (insert name, address, phone number). I am also including a copy of the letter the company sent me denying my application along with a copy of a current utility bill and a copy of a government photo id. (Provide a copy of your drivers license).

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Identity Theft Notification

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

 

I am writing you pertaining to the account (insert account number) that your office has contacted me about. Unfortunately this is not my account. I have recently become a victim of identity theft. I am providing you with copies of the necessary documents (enclose copies of police reports, etc.) to verify the fraud allegations.

 

Unless you can prove otherwise, please do not contact me regarding this alleged account again.

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Identity Theft Notification to Credit Bureaus

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

 

I am contacting you regarding some fraudulent accounts appearing in my credit file. I have recently become a victim of identity theft. I am providing you with copies of the necessary documents (enclose copies of police reports, etc.) to verify the fraud allegations. The accounts in question are: (list the Debt Collector or Collection Agency along with the account numbers)

 

Unfortunately these are not my accounts. Please remove these items from my credit report.

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Opt Out Request to Credit Bureaus

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I would like to request that you remove my name from any mailing list that is available to marketers. My personal information is (insert information, ie., name, address and your date of birth).

I appreciate your cooperation.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Request a Free Annual Credit Report from Credit Bureaus Directly

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

I would like to request a free copy of my credit report that I am entitled to under the Fair Credit Reporting Act (FCRA). I am providing a copy of a current utility bill and a copy of a government photo id. (Provide a copy of your drivers license). My personal information is listed below.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Inquiry Dispute to Credit Bureaus Simple

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

 

I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn’t be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

 

If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this.

Thanking you in advance,

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Inquiry Dispute, Credit Bureaus

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

This letter is a formal request to remove unauthorized inquiries from my credit report. I’ve enclosed a copy of the credit report that your organization provided me on {insert date of report}. I’ve listed the unauthorized inquiries below and also circled them in red on the enclosed report

Line Item {insert number}:

Creditor: {insert name of creditor(s) making the inquiry}

Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.

In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.

If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at (insert daytime phone number including area code).

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Remove Inaccurate Personal Information from Credit Bureaus

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

While reviewing a copy of my credit report (insert report number) I discovered some inaccuracies in my personal information. This information includes the addresses of (insert address) that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. (Be sure to list any other inaccurate information, ie., wrong phone numbers, employers, or social security numbers)

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Advanced Dispute, Don’t Owe Debt, 2nd Time for Disputing Account, Reason Fair Debt Collection Practices Act

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the (insert proper number) time I’ve disputed this debt. The first dispute was on {insert date} with {insert name of collection agency} and the second was on {insert date} with {insert name of collection agency}. Be advised that neither collection agency responded to my dispute.

In accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

*
p<>{color:#000;}. (1) the amount of the debt;

*
p<>{color:#000;}. (2) the name of the creditor to whom the debt is owed;

*
p<>{color:#000;}. (3) Provide a verification or copy of any judgment (if applicable);

*
p<>{color:#000;}. (4) Proof that you are licensed to collect debts in (insert name of your state)

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

*
p<>{color:#000;}. because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;

*
p<>{color:#000;}. you cannot add interest or fees accept those allowed by the original contract or state law.

*
p<>{color:#000;}. you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;

Be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt.

 Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Debt Expired By Statute of Limitations to a Collection Agency

 

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

 

I am contacting you regarding the account listed above. I have contacted the Attorney General’s Office in my state and found out the statute of limitations on this account has expired.

 

Please do not contact me again regarding this account or I will be forced to file a complaint with the Federal Trade Commission and the Attorney General. I know the rules of the Fair Debt Collection Practices Act and intend to legally enforce all my rights.

 

Sincerely,

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request Follow Up 2

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is to dispute the debt account referred to above. There is a serious misunderstanding with the collection agency. While you are able to validate my debt, the collection agency has not been able to verify that I owe this debt. This is really strange! The debt is not mine.

I am enclosing copies of my requests to the collection agency wherein I have requested them to validate my debt. I’m also attaching receipts showing that I have sent these letter certified signature request. This debt is not mine and I have received no evidence of my obligation to pay this debt to the collection agency.

As per the FCRA, you need to verify the validity of this item within 30 days. If you cannot verify the validity, you are obligated by the law to remove this item before I am forced to take any sort of legal action.

In case you cannot verify the item as per the FCRA, and you continue to list the disputed item on my credit report, I may find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in a qualified state or federal court including small claims court in my area.

While I would prefer to not litigate, I may use the courts as required to enforce my rights under the FCRA.

Looking forward to an uneventful resolution in this matter.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request Follow Up

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I have sent you a written request to validate my debt having account no.__________ on [date].

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have received no reply from you except the confirmation (by mail) that you did receive my request for validation of debt on [date]. However, the credit bureaus have already sent in their “verified” documents.

As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. I hereby notify that you are now in violation of the FDCPA and subject to a fine of $1,000 (refer to the Act for the updated value), which I can collect by filing a claim in the small claims court. I intend to follow through with the claim if I don’t hear back from you within the next 15 calendar days.

This letter is to remind you that reporting such invalidated information to the credit bureaus can result in defamation of character, as any negative marking on my credit report would adversely affect my credit. I hope your legal staff will agree that non-compliance with this request could lead your company to serious legal trouble with the FTC and other state/federal agencies.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request for Creditor Follow Up Letter, Reason Fair Debt Collection Practices Act

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing in response to your {letter or phone call} dated {insert date of letter or phone call}, copy enclosed.

On {insert date of initial dispute letter} I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information:

*
p<>{color:#000;}. (1) the amount of the debt;

*
p<>{color:#000;}. (2) the name of the creditor to whom the debt is owed;

*
p<>{color:#000;}. (3) Provide a verification or copy of any judgment (if applicable);

*
p<>{color:#000;}. (4) Proof that you are licensed to collect debts in (insert name of your state)

I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company (creditor) that you say I owe money so they are also aware of my dispute with this debt.

As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on {insert date from mail receipt}.

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national Better Business Bureau.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request for Creditor, Reason Fair Debt Collection Practices Act

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing in response to your (letter or phone call) dated {insert date}, (copy enclosed) because I do not believe I owe what you say I owe.

This is the first I’ve heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809(b): Validating Debts:

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I respectfully request that you provide me with the following information:

*
p<>{color:#000;}. (1) the amount of the debt;

*
p<>{color:#000;}. (2) the name of the creditor to whom the debt is owed;

*
p<>{color:#000;}. (3) Provide a verification or copy of any judgment (if applicable);

*
p<>{color:#000;}. (4) Proof that you are licensed to collect debts in (insert name of your state)

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that:

*
p<>{color:#000;}. because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense;

*
p<>{color:#000;}. you cannot add interest or fees except those allowed by the original contract or state law.

*
p<>{color:#000;}. you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA;

Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.

I have disputed this debt; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency (CRA) or Credit Bureau (CB) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act § 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request, Fair Debt Collection Practices and Billing Act

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am continually being called on the telephone by your firm over this alleged debt. I’m sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA), and I am requesting validation of this debt.

I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you stop contacting us on the telephone and restrict your contact with us to writing, and only when you can provide adequate validation of this alleged debt.

To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation:

*
p<>{color:#000;}. Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862; 2001 Ind. App. LEXIS 509 and

*
p<>{color:#000;}. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

*
p<>{color:#000;}. Letter of sale or assignment from the original creditor to your company. (Agreement with your client that grants you the authority to collect on this alleged debt.) Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704(D.Conn., Oct. 29, 2002) – Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain: The source of a debt and the amount a bad debt buyer paid for plaintiff’s debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

*
p<>{color:#000;}. Intimate knowledge of the creation of the debt by you, the collection agency.

I’m sure you know, under FDCPA Section 809 (b), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA.

I look forward to an uneventful resolution of this matter.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Request

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This is to inform you that I’ve recently pulled my credit report and noticed that there’s a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim.

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt.

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I’m sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission (FTC) and other state/federal agencies.

Please attach copies of the following documents:

#
p<>{color:#000;}. Agreement with your client that authorizes you to collect on this alleged

debt.

#
p<>{color:#000;}. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

#
p<>{color:#000;}. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

With regards,

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation Simple, Direct to Creditor

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation SOL

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is in response to your dated _________________, concerning the collection of the above referenced [account or date].

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (insert your state or the state in which the contract was signed) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the “statute of limitations” has expired.

 

This letter is your formal notification that I consider this matter closed and demand that you, or anyone affiliated with your company, stop contacting me regarding this or any other matter except to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation of the law and will immediately report any violations to my State Attorney General, to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Be advised that I tape record all phone calls and violations of the FDCPA can result in you or your company being personally fined up to $1,000 per incident.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation, Fair Billing Act Request

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is being sent to you in response to a notice sent to me on September 30, 2002). Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

 What the money you say I owe is for;

 Explain and show me how you calculated what you say I owe;

 Provide me with copies of any papers that show I agreed to pay what you say I owe;

 Provide a verification or copy of any judgment if applicable;

 Identify the original creditor;

 Prove the Statute of Limitations has not expired on this account

 Show me that you are licensed to collect in my state

 Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

*
p<>{color:#000;}. Violation of the Fair Credit Reporting Act

*
p<>{color:#000;}. Violation of the Fair Debt Collection Practices Act

*
p<>{color:#000;}. Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Debt Validation/ Verification

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is to dispute the account referred above. I have already disputed this account information as inaccurate with the credit bureaus [insert names of credit bureaus]. But I find that you have been able to verify this debt. However, I would like to say that I was not late on this account and I have been only an authorized user.

In case you cannot verify this item pursuant to the FCRA and it continues to show up on my credit report, I shall find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA. As per this regulation, I may sue you in any qualified state or federal court, including small claims court in my area.

As per court rules and regulation, a creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus. At the same time, the consumer has the right to sue under the FCRA, should his/her rights are violated.

While I would prefer to not litigate, I shall use the courts to enforce my rights under the FCRA.

I look forward to an uneventful resolution of this issue.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, to Creditor Verifying Details, Reason Never Paid Late

table<>. <>. |<>.
p<>{color:#000;}. Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Re: Account Name and NumberI 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.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

|

 

Advanced Tactic, Fair Trade Commission Complaint Letter

 

Date Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Isn’t it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes?

 

I have sent several letters to (Insert name of Credit Reporting Agency) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally.

 

If you have any questions please feel free to contact at the number listed above.

 

(Include copies of the letters sent to the Credit Reporting Agency and when they were mailed)

 

Sincerely,

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Filed Suite per the Debt Collection Practices Act, Direct to Creditor

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Enclosed is a copy of the lawsuit that I filed against you in (my county) court on _______. Currently the Pre-trial Conference is scheduled for _____________. in courtroom _______. The case number is (insert case #).

The reason the lawsuit was filed was due to a completely inadequate response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

Over _____ days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens (Mo) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on ________. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.

Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Your letters to me claim to have ‘verified’ the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.

Now I am suing Equifax for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.

You may contact me before __________ at (my phone number) or at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been ‘verified’ then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation.

If you accept the same terms, then I will dismiss my lawsuit against your and you will not need to appear in (my county and state).

The items to be removed from my credit report are listed as follows:

LIST CREDIT ITEM HERE

I look forward to your response.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Good Faith Request to Creditor to Remove Negative Information, NEEDS CUSTOMIZATION

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing to you today regarding my credit card account #4236-XXXX-XXXX. The purpose of my correspondence is to see if you would be willing to make a “goodwill” adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report ___ENTER DATE HERE________.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

As soon as I became aware of the balance I contacted ----------------- and paid the balance in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with ----------- is not a good indicator of my actual credit worthiness. I hope that ---------------- is willing to work with me on erasing this mark from my credit reports.

I am simply asking -------------for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be ------------- normal policy.

Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping that ------------- will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Goodwill Deletion Request

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing this letter in order to request your help and understanding. Back in __________ when the negative item was listed], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account (listed above) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money.

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Intention to File Complaint with FTC Credit Bureau Example#1

 

Credit Bureau Name

Credit Bureau Address

Credit Bureau City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Your Date of Birth

Your Social Security Number

Date

Dear CREDIT BUREAU NAME,

Re: Account Name and Number

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 , as well as my follow up letter dated . 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.Cal. Nov. 14,1995), you may be liable for you 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:

 

Name of Creditor/ Agency, Account #_________________

 

If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Should you continue to operate disregarded for the law, I intend to seek redress in civil action for recovery of damage, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.

 

You are further directed to 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 purpose.

 

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 and 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.

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

YOUR SOCIAL SECURITY NUMBER

 

Advanced Letter, Item Settled, Demand to Delete item per Fair Debt Collection Practices Act

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is to inform you that the account in question was settled on [insert date] with [insert name of collection agency]. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records. I further demand you notify Trans Union, Equifax, and Experian that this item should be permanently removed from my credit file.

I do not expect to hear from you again regarding this matter however, should you choose to ignore this notification, I will consider any contact not in accordance with the Fair Debt Collection Act, a serious violation of the law and will immediately report any violations to my State Attorney General and to the Federal Trade Commission and, should it become necessary, take legal action to protect my myself.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Remove Inquiry Creditor Example 1

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not granting you authorization to review my credit report.

 

The Fair Credit Report Act requires that a creditor to 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 effecting my credit report and is impending 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.

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Collection Complaint to the State Attorney

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

 

This letter pertains to (insert collection agency name). They continue to contact me over an alleged debt. (Insert collection agency name) is refusing to abide by the Fair Debt Collection Practices Act policies. To the best of my abilities I keep records of dates and times of any correspondence and calls. I document the details of the conversation.

 

The abusive and unfair problems include: (give precise details including, harassing phone calls, threats made to you (provide detailed threats), calls made to friends and family, calling after hours, and continues to call my employer after be advised not to in writing)

 

Sincerely,

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Sample Motion to Vacate Judgment

table<>. <>. |<>.
p<>{color:#000;}.

IN THE SUPERIOR COURT OF THE STATE OF [YOUR STATE]
IN AND FOR THE COUNTY OF [YOUR COUNTY]

[The Original Plaintiff] Plaintiff,

vs.

[YOU] ,

Defendant.

No. [COURT REFERENCE NUMBER]

MOTION AND DECLARATION TO VACATE JUDGMENT

NOW COMES the Plaintiff, Pro Se and prays this Honorable Court to Deny the Defendant’s Motion to Dismiss and Motion for Sanction for the following reasons:

1. Relief requested. The defendant(s) move(s) the court for an order vacating the judgment entered in this action and staying enforcement of the writ of restitution until the motion can be heard.

2. Statement of facts and issues. This motion is based on the following grounds: (Enter your reasons: you weren’t properly served, the judgment was entered even though you filed the right paperwork)

Dated: .

______________________________
Defendant(s) (Signature)

Defendant(s) Name (Print)

Address

Telephone Number |

 

Advanced Dispute, Statute of Limitations Expired

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is in response to your letter dated __________ (copy enclosed) or phone call dated __________ regarding the collection on the debt account given above.

I do not believe that I owe this debt and therefore I dispute this account. I am aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws. Therefore, I’d like to inform you that I have checked with my State Attorney General and verified that the Statute of Limitations for this type of debt through the courts in [state in which contract was signed] has expired. If you intend to take this issue to court, I shall inform the court of my dispute of this debt and that the Statute of Limitations has expired.

This letter is to demand that neither you nor anyone affiliated to your company should contact me except to inform that collection efforts are terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Henceforth, I shall consider any contact a violation of The Fair Debt Collection Practices Act and will report it immediately to the State Attorney General or Federal Trade Commission. Please be advised that I tape record all phone calls and violations of the FDCPA can result in you or the company being fined up to $1000 per incident.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, To Delete Repossessions, Direct to Creditor

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Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am writing in regard to the above referenced accounts and transactions.

This vehicle was repossessed by (Original Creditor) in the State of (Your State) on or about, xx/xx/xxxx, and resold on or about xx/xx/xxxx.

Under the laws of the State of (State where car was repossessed) UCC § (Your stat’s UCC code, you will need to look this up) and State RISA and MVISA statutes a deficiency cannot be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC § 9 remedies.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME |

 

Advanced Dispute, To Dispute Credit Card Reported Errors, Direct to Creditor

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Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am disputing an item on my statement, dated {insert date of statement}. Please note that this letter is dated within the 60-day limit required under the Fair Credit Billing Act.

or use the following paragraph instead

I am disputing an item on my statement dated {insert date of statement} because I am unable to determine from my records what the charge is for. I need more information about line item {place the line item number or description here}. Please send copies of any documents you have pertaining to this item.

Please use the following information to investigate my claim:

{Insert your name as it appears on your credit card statement}

Date of Statement: {Insert the date from the statement you are disputing}

Account Number: {Insert credit card account number}

Date of Transaction: {Insert date from statement}

Description of Transaction {Copy from statement}

Describe Error: {If disputing dollar amount, insert amount using $0.0 format}

{Insert explanation of why you believe an error occurred} see more examples below

I understand that you have 30 days to respond and 90 days to either resolve my dispute or inform me in writing of why the bill is correct. Until then, I will pay any amount due except for the amount in question and await your letter explaining all actions taken concerning this dispute.

If your investigation shows the information to be accurate, I respectfully request that you provide an explanation of your findings, a statement of what I owe, including any finance charges that have accumulated and any minimum payments I’ve missed while questioning this bill. If I agree with your findings, you can expect my payment in the amount you say I owe within the 10-day limit allowed under the Fair Credit Billing Act.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME |

 

 

Validate Debt Item – Collector – Temporarily Stop Collections by Law – Example #1

 

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

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

 

Be advised that I am not requesting “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 payments 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 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 to costs and attorney fees.

 

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Validate Debt Item – Creditor or Credit Bureau – Follow 30 days – Example #1

 

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of , 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 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:

Name of Creditor/ Agency, Account: ____________

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.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Violated Fair Debt Collection Practices Act, Several Reasons

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

I am continually being called on the telephone by your firm over this alleged debt. According to the information given to us by your firm, the date of last activity by the original creditor is _______. The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ______. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.

I’m sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute:

[15 USC 1692e] (2) The false representation of --

(A) the legal status of the alleged debt

and

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general’s office. In addition, I’m sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a $1000 fine, payable to me.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Advanced Dispute, Your are Violating the Laws, Direct to Creditor

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Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated (including but not limited to) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.

Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me.

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.

Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to: Equifax, Experian, and Trans Union.

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm’s intentional infliction of emotional distress and at the other diminishments of the quality of my life.

I am now demanding the immediate and complete removal of this trade line from my credit reports (Equifax, Experian, and Trans Union).

As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that, if this matter is not resolved by xxx, I will take any and all necessary steps to protect my rights.

Thank you in advance for your attention to this matter.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME |

 

Pay-to-Delete, Formal Agreement to Settle Debt with Collection Company

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Collection Company Collections, referred to as COLLECTION AGENCY and YOUR NAME, referred to as CONSUMER, agree to resolve the matter of the alleged debt, originally held by the ______________________ Company, hereafter referred to as the CLIENT. CONSUMER hereby agrees to settle this alleged debt claimed by COLLECTION AGENCY on the following terms and conditions:

The COLLECTION AGENCY certifies that it is legally authorized to act in behalf of its CLIENT and that any agreement that the COLLECTION AGENCY makes on behalf of CLIENT is legally binding on the CLIENT.

The COLLECTION AGENCY and the CONSUMER agree that alleged debt is $_____________.00 (_____________ & 00/100 dollars). While the CONSUMER feels that validity of the debt has not been proved by the COLLECTION AGENCY, the parties agree that the COLLECTION AGENCY shall accept the sum of $_________.00 (___________ & no/100 dollars) as full payment on the debt. The acceptance of the payment will serve as a complete discharge of all monies due, and the COLLECTION AGENCY agrees to consider the debt paid in full and agrees to not take further action to collect on the alleged debt. The payment shall be made in the form of a cashier's check or money order.

Upon payment of the $_______.00, the COLLECTION AGENCY agrees to remove any listing or information that the COLLECTION AGENCY may have placed on the CONSUMER’S credit report. The COLLECTION AGENCY agrees to never at any time in the future place any information on the CONSUMER’S credit report.

The CONSUMER feels that the negative information on CONSUMER’s credit report is damaging and while the exact estimation of the damage is not currently known, the CONSUMER estimates it to be $10,000 (ten thousand dollars and zero cents. Should the COLLECTION AGENCY fail to remove the listing or reinsert it at a later date, the COLLECTION AGENCY agrees to award liquidated damages of $10,000 to CONSUMER.

This compromise is expressly conditioned upon the payment being received by . If the CONSUMER fails to pay the compromised amount by , this contract will be immediately terminated.

The person signing this agreement, __________________________________, hereby declares that he/she is authorized to act as an agent of the COLLECTION AGENCY.

This Agreement shall be binding upon and inure to the benefit of the parties, their successors, and assignees.

Dated:

Signature: ____________

Legal Representitive of Collection Company Collections, Inc.

Signature: ____________

YOUR NAME HERE

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME

 

Pay-to-Delete Collection Agency Request

 

Creditor Name

Creditor Address

Creditor City, State, and Zip Code

Your Name

Your Address

Your City, State, and Zip Code

Date

Dear CREDITOR NAME,

Re: Account Name and Number

Customer Care Department:

I have received your alleged validation of the above-referenced account. I did not open this account and I do not believe I owe the amount your are requesting from me.

However, I will offer to settle this account in the amount of (insert dollar amount). To be paid within 30 days of you accepting this settlement offer in writing and agreeing to DELETE (not update) this account completely from any and all Credit Bureaus (Trans Union, Equifax, Experian etc.) and agree in writing to provide me with a letter of deletion.

(You may include)

This is not the only Debt I am trying to settle. This is a last effort attempt on my part before retaining a Bankruptcy Attorney. I will not send any payment until I receive written confirmation that you accept the terms of this settlement offer.

I appreciate your time and look forward to your response.

Thank you for your time,

YOUR SIGNATURE

YOUR FIRST AND LAST NAME


Easy Credit Repair Letters: Over 70 Premium Credit Repair Dispute Letters and Qu

  • Author: H.T. Kent
  • Published: 2015-11-05 00:50:30
  • Words: 19287
Easy Credit Repair Letters: Over 70 Premium Credit Repair Dispute Letters and Qu Easy Credit Repair Letters: Over 70 Premium Credit Repair Dispute Letters and Qu