This form is a sample letter in Word format covering the subject matter of the title of the form.
Subject: Kansas Sample Letter to Credit Bureau concerning Decedent's Credit Report — Attorney Dear [Credit Bureau], I am writing to address a crucial matter pertaining to the credit history of a deceased individual. As an attorney representing the estate, I am seeking your assistance in updating the credit report of the decedent to reflect their current status accurately. [First Type: Informative & General] 1. The Purpose: The purpose of this letter is to inform you of the death of [Decedent's Full Name] and ensure that their credit report is properly handled according to the Fair Credit Reporting Act (FCRA) guidelines. [Decedent's Full Name] passed away on [Date of Death] while residing at [Decedent's Address]. To settle the affairs of the estate, an accurate credit report is required. [Second Type: Request for Account Closure] 2. Account Closure Request: In light of [Decedent's Full Name]'s passing, it is essential to close all active accounts associated with their credit history. I kindly request that you promptly close all credit accounts owned by the decedent to prevent any unauthorized activity or potential identity theft. Please provide written confirmation once the account closure procedure is complete. [Third Type: Transferring Mortgage] 3. Mortgage Transfer Request: [Decedent's Full Name] held an existing mortgage loan with [Lender's Name], account number [Account Number], on their residential property located at [Decedent's Property Address]. In accordance with applicable laws and the terms of the mortgage agreement, I kindly request that you transfer the mortgage account to the rightful heir or beneficiary entitled to assume the loan. Please ensure that the new account holder's information is accurately updated on the credit report, including their name, address, and contact details. Kindly provide written confirmation once the transfer process is completed successfully. [Fourth Type: Dispute/Correction] 4. Dispute/Correction Request: Upon reviewing the credit report of [Decedent's Full Name], I have identified certain inaccuracies/error. I hereby request that you investigate and rectify the following items: — [Incorrect Account Information]: [Provide details of the account, including account numbers, creditor names, and any incorrect or outdated information]. — [Inaccurate Payment History]: [Specify incorrect payment information on certain accounts, including dates, amounts, and discrepancies]. — [Identity Theft Concerns]: [If applicable, explain any suspicious activities or potential identity theft issues and request a thorough investigation into these matters]. I urge you to conduct a speedy investigation and make the necessary corrections as mandated by the FCRA. Kindly inform me in writing of the actions taken to rectify these inaccuracies and provide an updated credit report reflecting the corrections made. Please note that under the provisions of the FCRA, you are required to complete the investigation within 30 days of receiving this request. [Closing] I appreciate your attention to this matter and your cooperation in ensuring accurate reporting of the decedent's credit history. Please consider this communication a formal request under the FCRA, and I kindly ask that all necessary actions be taken promptly. Should you require any additional documentation or information, please do not hesitate to contact me at [Attorney's Phone Number] or [Attorney's Email Address]. Thank you for your prompt attention to this matter. Sincerely, [Your Name] [Your Title/Designation] [Your Law Firm's Name] [Your Contact Information]
