Salt Lake Utah 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: Salt Lake
• Control #: US-0162LR
• Format: Word

Description

Carta a buró de crédito sobre información errónea contenida en reporte. Dear [Credit Reporting Agency], I am writing to dispute the accuracy of the information that you have reported on my credit report for my [type of credit account] account. I have reviewed my credit report and have noticed several errors that I would like to bring to your attention. Firstly, I noticed that you have listed an incorrect payment history for the aforementioned account. According to my records, I have consistently made on-time payments for the past [number of months or years], yet your report indicates that I have been late on payments multiple times. This erroneous information is negatively impacting my credit score and I request that you correct it immediately. Furthermore, I have noticed that you have incorrectly listed a balance of [amount] on this account. The current balance is actually [correct balance], as confirmed by my recent statements from the creditor. I kindly request that you update this information on my credit report as well. Additionally, your report includes a [misspelled or inaccurate account name] account, which does not belong to me. This account is not mine, and its presence on my credit report is misleading and damaging my creditworthiness. I strongly urge you to remove this account from my report promptly. Lastly, I have identified another discrepancy in my credit report regarding the length of credit history. Your report suggests that I have only had this account open for [number of years], while in reality, I have maintained this account for [correct number of years]. This inaccurate information is misleading potential lenders about my creditworthiness, and I request that you update this information accordingly. In light of these errors, I kindly request that you thoroughly investigate these discrepancies and make the necessary corrections to my credit report as soon as possible. Under the Fair Credit Reporting Act, it is your legal obligation to ensure the accuracy of the information you report. I would appreciate written confirmation once these inaccuracies have been rectified. Please find enclosed copies of supporting documents, including statements from the creditor and any other relevant documentation that corroborates my claims. If further information is required, please do not hesitate to contact me at [phone number] or [email address]. Thank you for your prompt attention to this matter and for your cooperation in resolving these discrepancies. I trust that you will handle this dispute with the utmost professionalism and efficiency. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Date]

Dear [Credit Reporting Agency], I am writing to dispute the accuracy of the information that you have reported on my credit report for my [type of credit account] account. I have reviewed my credit report and have noticed several errors that I would like to bring to your attention. Firstly, I noticed that you have listed an incorrect payment history for the aforementioned account. According to my records, I have consistently made on-time payments for the past [number of months or years], yet your report indicates that I have been late on payments multiple times. This erroneous information is negatively impacting my credit score and I request that you correct it immediately. Furthermore, I have noticed that you have incorrectly listed a balance of [amount] on this account. The current balance is actually [correct balance], as confirmed by my recent statements from the creditor. I kindly request that you update this information on my credit report as well. Additionally, your report includes a [misspelled or inaccurate account name] account, which does not belong to me. This account is not mine, and its presence on my credit report is misleading and damaging my creditworthiness. I strongly urge you to remove this account from my report promptly. Lastly, I have identified another discrepancy in my credit report regarding the length of credit history. Your report suggests that I have only had this account open for [number of years], while in reality, I have maintained this account for [correct number of years]. This inaccurate information is misleading potential lenders about my creditworthiness, and I request that you update this information accordingly. In light of these errors, I kindly request that you thoroughly investigate these discrepancies and make the necessary corrections to my credit report as soon as possible. Under the Fair Credit Reporting Act, it is your legal obligation to ensure the accuracy of the information you report. I would appreciate written confirmation once these inaccuracies have been rectified. Please find enclosed copies of supporting documents, including statements from the creditor and any other relevant documentation that corroborates my claims. If further information is required, please do not hesitate to contact me at [phone number] or [email address]. Thank you for your prompt attention to this matter and for your cooperation in resolving these discrepancies. I trust that you will handle this dispute with the utmost professionalism and efficiency. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Date]

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.