Subject: Request for Free Credit Report based on Denial of Credit Dear [Credit Bureau], I am writing to request a free copy of my credit report in accordance with the Fair Credit Reporting Act. I recently applied for credit and was informed that my application was denied due to information found in my credit history. As a result, I would like to review my credit report to identify the specific factors that contributed to this decision. My personal information is as follows: — Name: [Your Full Name— - Address: [Your Current Address] — SSN: [Your Social Security Number— - Date of Birth: [Your Date of Birth] I understand that as per the Fair Credit Reporting Act, I am entitled to a free credit report if my application has been denied based on information from the credit report obtained by the creditor. I kindly request that you provide me with a complete copy of my credit report, including all information reported by each of the three major credit bureaus: Experian, Equifax, and TransUnion. This will allow me to carefully review the contents and address any inaccuracies or discrepancies that may exist. Furthermore, I would appreciate it if you could also provide me with the contact information for the creditor who utilized my credit report as a part of the decision-making process. This will help me communicate directly with the creditor to discuss and resolve any discrepancies found. To verify my identity, I have enclosed the following supporting documents: — Photocopy of my driver's license or government-issued identification card — Utility bill or bank statement showing my current address — Social Security card or any other applicable proof of my SSN Please inform me of any additional information or documentation required for the completion of my request. I kindly ask that you send the credit report at your earliest convenience to the address provided above. Thank you for your attention to this matter, and I look forward to receiving my credit report as soon as possible. Your assistance in this regard will be greatly appreciated. Sincerely, [Your Full Name] [Your Contact Information] Keywords: Miami-Dade Florida, sample letter, request for free credit report, denial of credit, Fair Credit Reporting Act, credit bureau, credit history, personal information, major credit bureaus, Experian, Equifax, TransUnion, inaccuracies, discrepancies, supporting documents, driver's license, identification card, utility bill, bank statement, Social Security card, identity verification, request completion, address confirmation.
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.