This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
Subject: Request for Removal of Inaccurate Information — Los Angeles, California Dear [Credit Bureau's Name], I hope this letter finds you well. I am writing in regard to inaccurate information that appears on my credit report. I am a resident of Los Angeles, California, and I kindly request your assistance in rectifying this matter promptly. Los Angeles, known as the "City of Angels," is a vibrant and diverse city located in Southern California. As one of the most populous cities in the United States, Los Angeles is home to a wide array of cultures, industries, and opportunities. From the iconic Hollywood sign to the beautiful beaches of Malibu, Los Angeles offers residents and visitors alike a unique blend of cosmopolitan living and natural beauty. Now, turning to the purpose of this letter, I have recently reviewed my credit report and discovered some inaccurate information that may have a negative impact on my creditworthiness. It is crucial to me that my credit report accurately represents my financial history and standings. I have noticed the following inaccuracies on my credit report: 1. [Describe the inaccurate information in detail, including any account numbers, dates, and amounts.] I assure you that this information is erroneous and does not reflect my payment history or financial responsibility accurately. I kindly request that you investigate and verify the accuracy of this information in accordance with the Fair Credit Reporting Act (FCRA). Furthermore, I ask for the immediate removal or correction of the aforementioned inaccuracies from my credit report. Furthermore, I have enclosed copies of supporting documentation for your review, including [list documents enclosed, such as receipts, payment confirmations, or any other proof that illustrates the errors]. These documents validate my claim and clearly demonstrate that the reported details do not accurately portray my credit history in Los Angeles, California. In accordance with FCRA Section 611(a)(1)(A), I ask that you notify me, in writing, within the next 30 days, regarding the completion of your investigation. Moreover, I request that you forward a new copy of my credit report, reflecting the requested changes, to the following addresses: 1. [Your Address] 2. [Any additional addresses you want to receive the updated credit report, if applicable] I am confident that this issue will be resolved efficiently, as it is in both parties' best interest to uphold the accuracy of credit reports. If needed, please reach out to me via the contact information provided below to request any additional information or clarification. Thank you in advance for your prompt attention and assistance in rectifying these inaccuracies. I trust that you will handle this matter with the utmost professionalism and diligence. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Additional types of Los Angeles, California, Letters to Credit Bureau Requesting Removal of Inaccurate Information: 1. Los Angeles, California Identity Theft Claim: If you suspect that the inaccuracies on your credit report are a result of identity theft, you may be required to submit a separate letter specifically addressing the identity theft claim. Include details of the incident, any reports you have filed, and any supporting evidence to substantiate your claim. 2. Los Angeles, California Debt Validation Request: When disputing the accuracy of a debt reported on your credit report, you may need to send a letter requesting validation of the debt. This type of letter asks the credit bureau to provide sufficient evidence to validate the debt, ensuring that it belongs to you and that the information reported is accurate. Please note that the content provided is an example, and it is essential to tailor it to your specific circumstances and legal advice, if necessary.Subject: Request for Removal of Inaccurate Information — Los Angeles, California Dear [Credit Bureau's Name], I hope this letter finds you well. I am writing in regard to inaccurate information that appears on my credit report. I am a resident of Los Angeles, California, and I kindly request your assistance in rectifying this matter promptly. Los Angeles, known as the "City of Angels," is a vibrant and diverse city located in Southern California. As one of the most populous cities in the United States, Los Angeles is home to a wide array of cultures, industries, and opportunities. From the iconic Hollywood sign to the beautiful beaches of Malibu, Los Angeles offers residents and visitors alike a unique blend of cosmopolitan living and natural beauty. Now, turning to the purpose of this letter, I have recently reviewed my credit report and discovered some inaccurate information that may have a negative impact on my creditworthiness. It is crucial to me that my credit report accurately represents my financial history and standings. I have noticed the following inaccuracies on my credit report: 1. [Describe the inaccurate information in detail, including any account numbers, dates, and amounts.] I assure you that this information is erroneous and does not reflect my payment history or financial responsibility accurately. I kindly request that you investigate and verify the accuracy of this information in accordance with the Fair Credit Reporting Act (FCRA). Furthermore, I ask for the immediate removal or correction of the aforementioned inaccuracies from my credit report. Furthermore, I have enclosed copies of supporting documentation for your review, including [list documents enclosed, such as receipts, payment confirmations, or any other proof that illustrates the errors]. These documents validate my claim and clearly demonstrate that the reported details do not accurately portray my credit history in Los Angeles, California. In accordance with FCRA Section 611(a)(1)(A), I ask that you notify me, in writing, within the next 30 days, regarding the completion of your investigation. Moreover, I request that you forward a new copy of my credit report, reflecting the requested changes, to the following addresses: 1. [Your Address] 2. [Any additional addresses you want to receive the updated credit report, if applicable] I am confident that this issue will be resolved efficiently, as it is in both parties' best interest to uphold the accuracy of credit reports. If needed, please reach out to me via the contact information provided below to request any additional information or clarification. Thank you in advance for your prompt attention and assistance in rectifying these inaccuracies. I trust that you will handle this matter with the utmost professionalism and diligence. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Additional types of Los Angeles, California, Letters to Credit Bureau Requesting Removal of Inaccurate Information: 1. Los Angeles, California Identity Theft Claim: If you suspect that the inaccuracies on your credit report are a result of identity theft, you may be required to submit a separate letter specifically addressing the identity theft claim. Include details of the incident, any reports you have filed, and any supporting evidence to substantiate your claim. 2. Los Angeles, California Debt Validation Request: When disputing the accuracy of a debt reported on your credit report, you may need to send a letter requesting validation of the debt. This type of letter asks the credit bureau to provide sufficient evidence to validate the debt, ensuring that it belongs to you and that the information reported is accurate. Please note that the content provided is an example, and it is essential to tailor it to your specific circumstances and legal advice, if necessary.
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.
