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The following letters are for your use. Copy them and use the appropriate ones to fit your individual circumstances.


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SAMPLE LETTER 1 ( Word FILE for sample 1 ) save the file and edit it later

Date


( ONE LETTER TO EACH )
CBI/EQUIFAX
P.O. BOX 740256
ATLANTA, GA 30374-0256

EXPERIAN
P.O. BOX 2002
ALLEN, TX 75002

TRANS UNION
P.O. BOX 34012
FULLERTON,CA 92831

Attn: Disputes


TO WHOM IT MAY CONCERN

This is a “Complaint Letter” giving you notice to delete the inaccurate information in my credit report. While applying for a mortgage loan, I received a copy of my credit report to find the attached list of items to be in error. (Itemized on the enclosed copy of the credit report.) On the next page I have explained the discrepancies as numbered entries to match each item listed on the credit report. By the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act of 1970, I demand that these items be reinvestigated and deleted from my record because I believe them to be erroneous. Please send me the names, telephone numbers and addresses of the individuals you contacted so I may follow up. Since I know that you have 30 days from receipt of this letter to re-verify these entries, it should be understood that failure to do so within that 30-day period constitutes reason to promptly delete the information from my file (FCRA 15 USC s1681 (5) (A). Also, pursuant to the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address listed below, for which according to act, there should be no charge.

Sincerely,

Signature

Your name and address


SAMPLE LETTER PAGE TWO

1-

2-

3-

Etc.

(NUMBER THE ITEMS ON THE CREDIT REPORT THAT YOU ARE DISPUTING AND MATCH THE NUMBERS TO YOUR RESPONSES ON THIS PAGE. ATTACH ANY ADDITIONAL ITEMS YOU HAVE RECEIVED FROM CREDITORS. NUMBER AND MATCH THEM TO THE ITEMS LISTED.)


SAMPLES OF ADDITIONAL LANGUAGE FOR OTHER ITEMS YOU MAY WANT TO INCLUDE IN YOUR CREDIT LETTERS.

Update Account
“you are obligated to delete obsolete information from my consumer credit report. Please refer to the information circled on the attached copy of my consumer credit report. It is obsolete and should be deleted immediately from your credit files”

Merge Inquiry With Account
“The presence of the inquiries as entries separate from the resulting accounts inaccurately duplicates information. The inquiries reflect an incomplete and inaccurate processing of information in my file. The inquiry entries should be removed, or at least merged into the accounts to which they belong.”

Adding Credit History Information
“Please include in my credit report the supplemental information attached. According to the Fair Credit Reporting Act (FCRA), 15 USC section 1681b, "It is the purpose of this title (FCRA) to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title." The intent of the FCRA includes recording supplementary credit information if requested by a consumer. Accordingly, I request that you add the attached history of payments.


Final Follow-up on Failure to Respond

Dear Sir/Madam:

On _______________, I sent you a dispute letter. You have failed to respond to my disputes of items found on my credit report, issued by your company. Copies of the original dispute letter and mail receipts are attached. To date you still have not fulfilled the intent of the Fair Credit Reporting Act, which requires your bureau, as a consumer reporting agency, to maintain and ensure that information "is fair and equitable to the consumer." Also, the law (15 USC s1681e) stipulates that credit bureaus will "... follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates." These requirements have not been met by your actions. You have not given me evidence that you have acted in a prompt or "fair and equitable" manner. You have not submitted evidence of investigation by giving me names and addresses of persons contacted. And or I expect the names and addresses of individuals you contacted to verify the information so I may follow up with them Or You have not removed anything found inaccurate. Or You have not removed any item for which no verification could be found within 30 days. Or You have not taken care to maintain the accuracy, relevancy and proper use of information in my file. I still dispute the items given on my attached letter. I expect an appropriate response on or before _______________, for each item. Otherwise I must contact the Federal Trade Commission.

Sincerely,
_______________
Name and address

Here is how you complain.
https://rn.ftc.gov/dod/wsolcq$.startup?Z_ORG_CODE=PU01


SAMPLE LETTER AND AGREEMENT

Dear ________ (CREDITOR CO)______________:

This letter is to confirm our telephone conversation regarding the settlement of my account As discussed, I will pay your company the amount of $_______________ as full settlement of this account. Additional terms include (see attached settlement agreement) Upon receipt of the above amount, your company has agreed to change / delete the entry on my credit file to "paid satisfactory." or remove it completely and remove any negative credit information or statements regarding my account, such as "late payment" or "charge off." If you agree to the aforementioned terms and conditions, Please acknowledge with your signature and return a copy to me. Upon receipt, I will immediately forward you a cashier's check in the amount stated above, along with a settlement agreement for your signature that I can forward to the respective bureaus.

Signature of Authorized Officer ______________________________________
Date Name Title.

Sincerely,

Your name


SETTLEMENT AGREEMENT

TO WHOM IT MAY CONCERN:

Please note that___________________________ has/have settled their account(s) #(s) _________________________________________ _________________________________________ with us and are paid in full. Due to the circumstances involved, we hereby authorize you to remove the account(s) from their credit report.

Sincerely, ____________________________________
Authorized Representative
Date ______
__________________________
Company
__________
Phone

 

 

 
     

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