Subject: Sample Letter for Requesting a Free Credit Report as Allowed by Federal Law in Alameda, California Dear [Credit Reporting Agency], I am writing to request a free credit report as allowed by federal law, specifically under the Fair Credit Reporting Act (FCRA) enforced in Alameda, California. I am providing all the necessary information and documentation as required to obtain a complete and accurate report of my credit history. As a responsible consumer, I understand the importance of regularly monitoring my credit information to keep track of any suspicious activities or errors that may arise. Therefore, I kindly request you to provide me with a detailed credit report from all the major credit bureaus: Equifax, Experian, and TransUnion. To streamline the process, I have included the following relevant information: 1. Full Name: 2. Social Security Number: 3. Date of Birth: 4. Current Address: 5. Previous Address (if applicable): 6. Contact Number: 7. Email Address: Please find attached copies of the necessary identification documents to verify my identity, as required under federal law. These documents include a state-issued identification card, proof of address, and a copy of my Social Security card. As stipulated by FCRA Section 612, I am entitled to receive a free credit report once every 12 months from each of the aforementioned credit bureaus. Therefore, kindly ensure that I receive a complete report from all bureaus in a timely manner. Moreover, I request the credit reports to be provided in a written format through mail to the following address: [Your Full Name] [Your Complete Address] [City, State, Zip Code] Additionally, I would appreciate if you could include details regarding any inquiries made on my credit history during the past 12 months. This will provide me with a comprehensive understanding of how my credit profile has been accessed and utilized. Enclosed, please also find a self-addressed stamped envelope to facilitate the secure delivery of the requested credit reports. I kindly request you to send the reports to the above-mentioned address within thirty days from the date of receipt of this letter. I understand that federal law obligates you to provide the credit report as requested. Should you encounter any issues or complications during this process, I kindly ask for your immediate clarification so that we can rectify any potential misunderstandings. Thank you for your attention to this matter. I am confident that you will honor my request and provide the necessary credit reports promptly. Your assistance in this regard is greatly appreciated. Sincerely, [Your Full Name] [Your Social Security Number] [Your Contact Number] [Your Email Address]
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.