Some information obtained by credit reporting bureaus is based on statements made by persons, such as neighbors who were interviewed by the bureau's investigator. Needless to say, these statements are not always correct and are sometimes the result of gossip. In any event, such statements may go on the records of the bureau without further verification and may be furnished to a client of the bureau who will regard the statements as accurate. A person has the limited right to request an agency to disclose the nature and substance of the information possessed by the bureau to see if the information is accurate. 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.
[Your Name] [Your Address] [City, State, ZIP Code] [Date] [Credit Reporting Agency Name] [Agency Address] [City, State, ZIP Code] Subject: [Account Number / File Number] — Disputing Inaccurate Information in Credit File Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information that has been reported by your agency in my credit file. Pursuant to the Fair Credit Reporting Act (FCRA), I request that you investigate and rectify the following inaccuracies as soon as possible. 1. Incorrect Account Information: I have noticed that [Credit Reporting Agency Name] has listed an account(s) on my credit report, namely [Name of Creditor], which I have no record or association with. This account is erroneously reported and does not belong to me. I request that this item be immediately removed from my credit report. 2. Outdated Information: Upon reviewing my credit report, I have found outdated information regarding [Name of Creditor]. According to the FCRA, outdated information should be removed from the credit report after seven years (for most negative information) or ten years (for bankruptcies). Therefore, I kindly request the removal of these outdated entries from my credit report. 3. Account Status Error: I have noticed an error in the account status reported by your agency. [Name of Creditor] has inaccurately classified my account as "delinquent" despite it being paid in full and closed on [Date of Account Closure]. I kindly request that you update the account status accurately to reflect the account as "closed" with a "paid in full" notation. 4. Identity Theft/Unauthorized Accounts: It has come to my attention that there may have been identity theft or unauthorized activity resulting in the opening of fraudulent accounts in my name. I request an immediate investigation into these accounts and their removal from my credit report, as they are not a result of my actions or authorization. 5. Supporting Documents: To assist you with the investigation and to provide evidence supporting my claims, I have enclosed relevant documentation, including but not limited to: — Copies of my identification documents (driver's license, passport) — Proof of residence (utility bills, lease agreement) — Payment receipts and statements for the disputed accounts — Any correspondence or notifications received from [Creditor Name] regarding the disputed accounts — Any additional documentation that could support the resolution of this dispute I kindly request that you thoroughly investigate and correct the aforementioned inaccuracies within 30 days, as per the timeframe prescribed by the FCRA. Upon completion of your investigation, I expect a written response with a detailed summary of the actions taken to resolve these disputes, along with an updated copy of my credit report reflecting the corrections made. Additionally, please notify me if any further actions or information are required from my side to facilitate the resolution process. Failure to comply with the FCRA's obligations regarding the timely investigation and correction of inaccurate information may result in legal consequences, and I hope it will not be necessary to pursue such actions. Thank you for your prompt attention to this matter. I anticipate a swift resolution to the disputes mentioned above. Sincerely, [Your Name] [Your Contact Information (Phone Number and Email Address)][Your Name] [Your Address] [City, State, ZIP Code] [Date] [Credit Reporting Agency Name] [Agency Address] [City, State, ZIP Code] Subject: [Account Number / File Number] — Disputing Inaccurate Information in Credit File Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information that has been reported by your agency in my credit file. Pursuant to the Fair Credit Reporting Act (FCRA), I request that you investigate and rectify the following inaccuracies as soon as possible. 1. Incorrect Account Information: I have noticed that [Credit Reporting Agency Name] has listed an account(s) on my credit report, namely [Name of Creditor], which I have no record or association with. This account is erroneously reported and does not belong to me. I request that this item be immediately removed from my credit report. 2. Outdated Information: Upon reviewing my credit report, I have found outdated information regarding [Name of Creditor]. According to the FCRA, outdated information should be removed from the credit report after seven years (for most negative information) or ten years (for bankruptcies). Therefore, I kindly request the removal of these outdated entries from my credit report. 3. Account Status Error: I have noticed an error in the account status reported by your agency. [Name of Creditor] has inaccurately classified my account as "delinquent" despite it being paid in full and closed on [Date of Account Closure]. I kindly request that you update the account status accurately to reflect the account as "closed" with a "paid in full" notation. 4. Identity Theft/Unauthorized Accounts: It has come to my attention that there may have been identity theft or unauthorized activity resulting in the opening of fraudulent accounts in my name. I request an immediate investigation into these accounts and their removal from my credit report, as they are not a result of my actions or authorization. 5. Supporting Documents: To assist you with the investigation and to provide evidence supporting my claims, I have enclosed relevant documentation, including but not limited to: — Copies of my identification documents (driver's license, passport) — Proof of residence (utility bills, lease agreement) — Payment receipts and statements for the disputed accounts — Any correspondence or notifications received from [Creditor Name] regarding the disputed accounts — Any additional documentation that could support the resolution of this dispute I kindly request that you thoroughly investigate and correct the aforementioned inaccuracies within 30 days, as per the timeframe prescribed by the FCRA. Upon completion of your investigation, I expect a written response with a detailed summary of the actions taken to resolve these disputes, along with an updated copy of my credit report reflecting the corrections made. Additionally, please notify me if any further actions or information are required from my side to facilitate the resolution process. Failure to comply with the FCRA's obligations regarding the timely investigation and correction of inaccurate information may result in legal consequences, and I hope it will not be necessary to pursue such actions. Thank you for your prompt attention to this matter. I anticipate a swift resolution to the disputes mentioned above. Sincerely, [Your Name] [Your Contact Information (Phone Number and Email Address)]
