Hawaii Ejemplo de carta por información errónea en el informe de crédito - Sample Letter for Erroneous Information on Credit Report

• Category: Letras - No Legales - Crédito
• State: Multi-State
• Control #: US-0162LR
• Format: Word

Description

Carta a buró de crédito sobre información errónea contenida en reporte. Dear [Credit Bureau], Subject: Request for Correction of Erroneous Information on Credit Report I am writing to bring to your attention an error on my credit report, specifically concerning my Hawaii accounts. Upon reviewing my credit report, I have discovered inaccurate and erroneous information, which I believe is negatively impacting my creditworthiness. The erroneous information pertains to my credit history in Hawaii. I have identified the following discrepancies: 1. Incorrect Account Details: The credit report shows an account that does not belong to me. The account in question, [Account Name], has been falsely associated with my credit history. I have never held an account with this creditor, and I request its immediate removal from my credit report. 2. Duplicate Reporting: Another discrepancy I have noticed is the double reporting of an account. The account [Account Name] appears twice, leading to an artificially inflated debt amount. I request that this duplicate entry be corrected to accurately reflect my credit obligations. 3. Outdated Delinquency: The credit report reflects a late payment on an account [Account Name], which occurred over five years ago. However, this delinquency was previously resolved and should no longer be negatively impacting my credit score. I kindly request that this outdated information be removed promptly. 4. Incorrect Balance Reporting: The current balance shown for my [Hawaii Account Name] is inaccurate. I have diligently paid off a significant portion of this debt, reducing the balance substantially. I kindly request the credit report reflects the updated balance, in line with my recent payments. To rectify these errors, I kindly request that you investigate and initiate corrections on my credit report. I understand that under the Fair Credit Reporting Act (FCRA), you are responsible for ensuring the accuracy of the information reported. Therefore, I expect a thorough investigation to rectify these inaccuracies. Please find attached supporting documentation, including statements, payment records, and any other relevant proof of the erroneous information highlighted in this letter. I trust that this additional evidence will assist in your investigation and facilitate an expedited resolution. In accordance with the FCRA, I request a response to this matter within 30 calendar days. Kindly provide me with a written confirmation of the investigation results, along with a revised credit report reflecting the corrections made, and notify all parties who may have received my credit report recently. Should you require further clarification or additional supporting documents, please do not hesitate to contact me at the address provided below. I am eager to resolve this matter promptly, and I appreciate your immediate attention and cooperation. Thank you for your assistance in rectifying the inaccuracies on my credit report and ensuring the integrity of my creditworthiness. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Alternate Types of Hawaii Sample Letters for Erroneous Information on Credit Report: 1. Hawaii Identity Theft Sample Letter: If you are a victim of identity theft and the erroneous information on your credit report is a result of fraudulent activity, you may need to modify the letter to specifically address the identity theft aspect. In this case, you would provide additional details regarding the fraudulent accounts and attach a copy of the police report, if applicable. 2. Hawaii Dispute Resolution Sample Letter: If you have already sent a previous dispute letter related to the erroneous information on your credit report concerning your Hawaii accounts but have not received a satisfactory response, you may need to modify the letter to express your frustration and emphasize the legal consequences of non-compliance with the FCRA regulations.

Dear [Credit Bureau], Subject: Request for Correction of Erroneous Information on Credit Report I am writing to bring to your attention an error on my credit report, specifically concerning my Hawaii accounts. Upon reviewing my credit report, I have discovered inaccurate and erroneous information, which I believe is negatively impacting my creditworthiness. The erroneous information pertains to my credit history in Hawaii. I have identified the following discrepancies: 1. Incorrect Account Details: The credit report shows an account that does not belong to me. The account in question, [Account Name], has been falsely associated with my credit history. I have never held an account with this creditor, and I request its immediate removal from my credit report. 2. Duplicate Reporting: Another discrepancy I have noticed is the double reporting of an account. The account [Account Name] appears twice, leading to an artificially inflated debt amount. I request that this duplicate entry be corrected to accurately reflect my credit obligations. 3. Outdated Delinquency: The credit report reflects a late payment on an account [Account Name], which occurred over five years ago. However, this delinquency was previously resolved and should no longer be negatively impacting my credit score. I kindly request that this outdated information be removed promptly. 4. Incorrect Balance Reporting: The current balance shown for my [Hawaii Account Name] is inaccurate. I have diligently paid off a significant portion of this debt, reducing the balance substantially. I kindly request the credit report reflects the updated balance, in line with my recent payments. To rectify these errors, I kindly request that you investigate and initiate corrections on my credit report. I understand that under the Fair Credit Reporting Act (FCRA), you are responsible for ensuring the accuracy of the information reported. Therefore, I expect a thorough investigation to rectify these inaccuracies. Please find attached supporting documentation, including statements, payment records, and any other relevant proof of the erroneous information highlighted in this letter. I trust that this additional evidence will assist in your investigation and facilitate an expedited resolution. In accordance with the FCRA, I request a response to this matter within 30 calendar days. Kindly provide me with a written confirmation of the investigation results, along with a revised credit report reflecting the corrections made, and notify all parties who may have received my credit report recently. Should you require further clarification or additional supporting documents, please do not hesitate to contact me at the address provided below. I am eager to resolve this matter promptly, and I appreciate your immediate attention and cooperation. Thank you for your assistance in rectifying the inaccuracies on my credit report and ensuring the integrity of my creditworthiness. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Alternate Types of Hawaii Sample Letters for Erroneous Information on Credit Report: 1. Hawaii Identity Theft Sample Letter: If you are a victim of identity theft and the erroneous information on your credit report is a result of fraudulent activity, you may need to modify the letter to specifically address the identity theft aspect. In this case, you would provide additional details regarding the fraudulent accounts and attach a copy of the police report, if applicable. 2. Hawaii Dispute Resolution Sample Letter: If you have already sent a previous dispute letter related to the erroneous information on your credit report concerning your Hawaii accounts but have not received a satisfactory response, you may need to modify the letter to express your frustration and emphasize the legal consequences of non-compliance with the FCRA regulations.

Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.