Hennepin Minnesota 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
• County: Hennepin
• Control #: US-0162LR
• Format: Word

Description

Carta a buró de crédito sobre información errónea contenida en reporte. [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Dispute of Erroneous Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute erroneous information that I have discovered on my credit report, which is maintained by your bureau. I have recently obtained a copy of my credit report and found several inaccuracies, specifically pertaining to Hennepin County, Minnesota. In accordance with the Fair Credit Reporting Act (FCRA), I kindly request your assistance in investigating and correcting the following inaccuracies: 1. [Type of Error]: Inaccuracy in Account Balance Information Location: Hennepin, Minnesota Description: I have noticed that the account balance listed for [Creditor Name] is incorrect. The reported balance is higher than the actual amount owed, resulting in an artificially inflated level of debt. This incorrect information negatively impacts my creditworthiness and is causing undue harm to my financial reputation. 2. [Type of Error]: Incorrect Account Status Location: Hennepin, Minnesota Description: While reviewing my credit report, I noticed that the account status for [Creditor Name] is incorrectly listed as "Open." However, I can confirm that this account was closed on [Closing Date]. This discrepancy is misleading potential creditors and hindering my ability to obtain favorable credit terms. 3. [Type of Error]: Inclusion of Duplicate Accounts Location: Hennepin, Minnesota Description: It has come to my attention that there are duplicate entries for [Creditor Name] on my credit report. I have only ever had one account with this creditor, and the presence of duplicate listings suggests a significant reporting error. This duplication of accounts is detrimental to my credit score and misrepresents my credit history. I firmly believe that these errors are detrimental to my creditworthiness and overall financial well-being. As a responsible consumer, I have consistently maintained good credit while diligently fulfilling my financial obligations. It is therefore crucial that the aforementioned inaccuracies be rectified promptly. Enclosed with this letter are copies of the relevant portions of my credit report highlighting the misrepresented information. Please consider this as supporting evidence for my dispute. I kindly request a thorough investigation into these matters so that my credit report accurately reflects my true financial standing. As per the FCRA's consumer protection provisions, I request that you complete the investigation within 30 days, as required by law. Upon completion of the investigation, I expect a detailed written explanation of the actions taken, along with an updated and corrected version of my credit report. I appreciate your immediate attention to this matter and your cooperation in resolving these issues. Please do not hesitate to contact me at [Phone Number] or via email at [Email Address] should you require any additional information or documentation. Thank you for your prompt action in rectifying these inaccuracies and upholding the integrity of my credit report. I anticipate a swift resolution to this matter and look forward to receiving your response within the designated timeframe. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Dispute of Erroneous Information on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute erroneous information that I have discovered on my credit report, which is maintained by your bureau. I have recently obtained a copy of my credit report and found several inaccuracies, specifically pertaining to Hennepin County, Minnesota. In accordance with the Fair Credit Reporting Act (FCRA), I kindly request your assistance in investigating and correcting the following inaccuracies: 1. [Type of Error]: Inaccuracy in Account Balance Information Location: Hennepin, Minnesota Description: I have noticed that the account balance listed for [Creditor Name] is incorrect. The reported balance is higher than the actual amount owed, resulting in an artificially inflated level of debt. This incorrect information negatively impacts my creditworthiness and is causing undue harm to my financial reputation. 2. [Type of Error]: Incorrect Account Status Location: Hennepin, Minnesota Description: While reviewing my credit report, I noticed that the account status for [Creditor Name] is incorrectly listed as "Open." However, I can confirm that this account was closed on [Closing Date]. This discrepancy is misleading potential creditors and hindering my ability to obtain favorable credit terms. 3. [Type of Error]: Inclusion of Duplicate Accounts Location: Hennepin, Minnesota Description: It has come to my attention that there are duplicate entries for [Creditor Name] on my credit report. I have only ever had one account with this creditor, and the presence of duplicate listings suggests a significant reporting error. This duplication of accounts is detrimental to my credit score and misrepresents my credit history. I firmly believe that these errors are detrimental to my creditworthiness and overall financial well-being. As a responsible consumer, I have consistently maintained good credit while diligently fulfilling my financial obligations. It is therefore crucial that the aforementioned inaccuracies be rectified promptly. Enclosed with this letter are copies of the relevant portions of my credit report highlighting the misrepresented information. Please consider this as supporting evidence for my dispute. I kindly request a thorough investigation into these matters so that my credit report accurately reflects my true financial standing. As per the FCRA's consumer protection provisions, I request that you complete the investigation within 30 days, as required by law. Upon completion of the investigation, I expect a detailed written explanation of the actions taken, along with an updated and corrected version of my credit report. I appreciate your immediate attention to this matter and your cooperation in resolving these issues. Please do not hesitate to contact me at [Phone Number] or via email at [Email Address] should you require any additional information or documentation. Thank you for your prompt action in rectifying these inaccuracies and upholding the integrity of my credit report. I anticipate a swift resolution to this matter and look forward to receiving your response within the designated timeframe. Sincerely, [Your Name]

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.