This form is a sample letter in Word format covering the subject matter of the title of the form.
Subject: Guam Sample Letter to Credit Bureau Concerning Decedent's Credit Report — Attorney: Request for Review and Corrections Dear [Credit Bureau's Name], I am writing as the attorney representing the estate of the deceased individual to bring to your attention a matter that requires immediate attention and resolution. This letter is being sent in compliance with the Fair Credit Reporting Act (FCRA) and is specifically intended to address the deceased individual's credit report inaccuracies. 1. Introduction: This letter concerns the credit report of [Decedent's Full Name], who sadly passed away on [Date of Death]. As the attorney handling the estate, it is my responsibility to ensure fair and accurate reporting of the decedent's financial information. 2. Importance of Accurate Credit Reporting for the Estate: An individual's credit history plays a crucial role in financial matters, especially when it comes to the estate settlement process. Inaccurate credit reporting can have severe consequences, affecting the estate's ability to handle debts, distribute assets, and finalize financial obligations. 3. Request for Review and Corrections: We kindly request that your credit bureau promptly review the credit report entries associated with the decedent's name, social security number [SSN], and date of birth [DOB]. Our objective is to ensure the accuracy and completeness of the credit information associated with the deceased person. 4. Specific Corrections Required: After conducting our own internal review, we have identified several discrepancies and potential errors on the credit report. We urge you to review and make the necessary corrections for the following areas: a) Accounts Still Open and Active: We have reason to believe that the credit report erroneously shows open and active financial accounts in the name of the decedent. Please investigate and ensure that these accounts are accurately classified, as they should have been closed upon the individual's passing. b) Collection Accounts and Debt Validation: We request your assistance in validating any collection accounts that appear on the credit report. Given the decedent's passing, it is essential to verify the legitimacy of these claims, including confirmation of the debt and documentation of any associated legal proceedings. c) Credit Report Inquiries: We request a thorough review of any inquiries made to the decedent's credit report following the date of death. Please ensure that all inquiries are valid, permissible, and comply with the FCRA guidelines. 5. Submission of Supporting Documentation: To facilitate your review process, we are enclosing certified copies of the decedent's death certificate, relevant court documents establishing the estate and my appointment as attorney, as well as any other supporting documents which validate our claims. We kindly request you to keep these documents confidential and secure. 6. Time-sensitive Matter: We understand the importance of timely resolution in matters such as these. Therefore, we kindly request your expedited attention to this issue. The prompt correction of the credit report is crucial for the accurate administration of the estate and ensuring fair treatment of all involved parties. 7. Contact Information: Should you require any additional information, documents, or have any questions, please feel free to contact me promptly at [Attorney's Contact Information]. I would appreciate any updates or correspondence regarding the status of this matter and the steps taken to rectify the inaccuracies identified within the credit report. Thank you for your immediate attention to this important matter. Sincerely, [Attorney's Full Name] [Attorney's Title] [Law Firm's Name] [Law Firm's Address] [Contact Information] [Enclosure: Certified Documents]
