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This letter disputes inaccurate information being reported by a credit reporting agency. It lists several accounts that are being disputed and requests an investigation into their validity. The letter cites the Fair Credit Reporting Act which requires creditors to provide proof of notice and evidence of the consumer's liability for disputed debts. Upon completing the investigation, the agency is asked to provide details on the procedures used and a contact for any follow up.
This letter disputes inaccurate information being reported by a credit reporting agency. It lists several accounts that are being disputed and requests an investigation into their validity. The letter cites the Fair Credit Reporting Act which requires creditors to provide proof of notice and evidence of the consumer's liability for disputed debts. Upon completing the investigation, the agency is asked to provide details on the procedures used and a contact for any follow up.
This letter disputes inaccurate information being reported by a credit reporting agency. It lists several accounts that are being disputed and requests an investigation into their validity. The letter cites the Fair Credit Reporting Act which requires creditors to provide proof of notice and evidence of the consumer's liability for disputed debts. Upon completing the investigation, the agency is asked to provide details on the procedures used and a contact for any follow up.
(Street Address), (City, State & Zip) (Credit Reporting Agency) (Address) (City, State & Zip) Date: ednesday, !une "", #$"% Account Number(s): &N Re: Credit Reporting Agency Disputed &tem 'o (om &t )ay Concern, &t (as come to our attention t(at you are reporting *(at *e belie+e to be inaccurate data *(ic( *e dispute and t(is letter is an appeal ,or your assistance- As a reporting agency you are go+erned by t(e Fair Credit Reporting Act (FCRA), *(ic( protects consumers ,rom inaccurate, outdated or in+alidated in,ormation reporting o, t(eir credit ,ile- '(e FCRA states t(at it.s t(e /ureau.s responsibility to ensure t(at all in,ormation contained *it(in consumer credit ,iles is accurate and ,ree ,rom errors- '(e ,ollo*ing in,ormation (as been allo*ed to be reported on my credit ,ile, & (a+e been denied credit and (a+e been public embarrassed and (umiliated- &n an e,,ort to in+estigate t(ese accounts, & contacted t(e collection agency or t(e original creditor and as0ed ,or documentation- Among ot(er t(ings, & as0ed ,or e+idence & *as gi+en 1$2days notice to dispute t(e +alidity o, t(e debt- '(e FCRA, "3 4-S-C- Section "56#g(a), mandates in no uncertain terms t(at a debtor (as 1$ days to dispute t(e +alidity o, a debt- &, t(e creditor cannot pro+ide su,,icient e+idence t(at t(e debtor *as gi+en ade7uate notice, t(e debtor must be gi+en anot(er 1$2day debt2+alidation period, and t(e creditor must pro+ide e+idence t(e debtor is liable ,or t(e account(s) in 7uestion- Attac(ments to support my claims on t(e ,ollo*ing accounts (a+e been included *it( t(is dispute letter and are noted in t(e listing belo*- &.+e sent se+eral notices to t(ese creditors or collection agencies re7uesting +alidation o, t(e account(s) belo*, but t(ey ,ailed to pro+ide ade7uate documentation pro+ing my liability ,or t(e account in 7uestion: I hereby dispute these debts and request the following items be thoroughly investigated and deleted Name o, Creditor /asis ,or Dispute Account Numbers Amount (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) (Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount) 4pon completion o, your in+estigation please send a detailed description o, t(e procedures used to determine t(e accuracy o, t(e account(s) & am disputing, as *ell as t(e name and contact in,ormation o, t(e agent conducting said in+estigation in case ,urt(er communication is necessary- e reser+e t(e rig(t under 8entuc0y 9a* to record any incoming con+ersations and *e (a+e no obligation to ad+ise you t(at t(ey are being recorded- Sincerely, Signature !ent by Certified "ail !ignature required for delivery