Kansas Sample Letter for Erroneous Information on Credit Report

• Category: Letters - Nonlegal - Credit
• State: Multi-State
• Control #: US-0162LR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Today's Date] [Credit Reporting Agency Name] [Credit Reporting Agency Address] [City, State, ZIP] Subject: Erroneous Information on Credit Report for [Your Name], [Your Social Security Number] Dear Sir/Madam, I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report, as provided by your agency. I recently accessed my credit report from your agency and was disheartened to discover several glaring errors that require immediate attention. Firstly, I would like to address the inaccurate account information pertaining to [Creditor's Name/Company]. On [Date], your agency listed a debt owed to [Creditor's Name/Company] in the amount of [$ Amount]. I would like to emphasize that I have never had any financial transactions or accounts with this specific creditor. Therefore, this information is entirely erroneous and should be rectified promptly. Additionally, I noticed that your agency has incorrectly recorded a missed payment on my [Name of Account] account. This discrepancy pertains to an incident that occurred on [Date], as indicated in your report. However, I have solid evidence that all payments were made on time and that the account was never late or delinquent. Therefore, I kindly request the removal of this erroneous information from my credit report. Furthermore, it came to my attention that your agency has incorrectly linked my identity with that of another individual who has a similar name. This identification has resulted in the inclusion of numerous accounts and debts that do not belong to me. It is imperative that this mistaken connection is immediately rectified, and all information associated with this individual is disassociated from my credit report. I am enclosing copies of supporting documents such as [provide a list of the supporting documents you are attaching, such as identification documents, account statements, or anything else relevant]. These documents will substantiate my claims and facilitate the correction process. Under the Fair Credit Reporting Act, it is your legal obligation to conduct a thorough investigation of my dispute and promptly correct any inaccuracies or errors found in the reported information. I urge you to review the evidence provided and correct my credit report accordingly. I kindly request that you provide me with a written confirmation of the action you have taken to rectify this situation within 30 days of receiving this letter. Please send me an updated copy of my credit report reflecting the corrections made, free of charge. Failure to address and correct these inaccuracies in a timely manner will result in my pursuit of all available legal remedies to protect my rights. This includes but is not limited to filing complaints with relevant regulatory authorities and seeking legal counsel. I sincerely appreciate your prompt attention to this matter. Should you require any further information or supporting documentation, please do not hesitate to contact me at the phone number or email address provided above. I trust that you will handle this dispute with the utmost integrity and resolve it promptly. Thank you for your cooperation. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Today's Date] [Credit Reporting Agency Name] [Credit Reporting Agency Address] [City, State, ZIP] Subject: Erroneous Information on Credit Report for [Your Name], [Your Social Security Number] Dear Sir/Madam, I am writing to formally dispute and request the removal of inaccurate information that is currently present on my credit report, as provided by your agency. I recently accessed my credit report from your agency and was disheartened to discover several glaring errors that require immediate attention. Firstly, I would like to address the inaccurate account information pertaining to [Creditor's Name/Company]. On [Date], your agency listed a debt owed to [Creditor's Name/Company] in the amount of [$ Amount]. I would like to emphasize that I have never had any financial transactions or accounts with this specific creditor. Therefore, this information is entirely erroneous and should be rectified promptly. Additionally, I noticed that your agency has incorrectly recorded a missed payment on my [Name of Account] account. This discrepancy pertains to an incident that occurred on [Date], as indicated in your report. However, I have solid evidence that all payments were made on time and that the account was never late or delinquent. Therefore, I kindly request the removal of this erroneous information from my credit report. Furthermore, it came to my attention that your agency has incorrectly linked my identity with that of another individual who has a similar name. This identification has resulted in the inclusion of numerous accounts and debts that do not belong to me. It is imperative that this mistaken connection is immediately rectified, and all information associated with this individual is disassociated from my credit report. I am enclosing copies of supporting documents such as [provide a list of the supporting documents you are attaching, such as identification documents, account statements, or anything else relevant]. These documents will substantiate my claims and facilitate the correction process. Under the Fair Credit Reporting Act, it is your legal obligation to conduct a thorough investigation of my dispute and promptly correct any inaccuracies or errors found in the reported information. I urge you to review the evidence provided and correct my credit report accordingly. I kindly request that you provide me with a written confirmation of the action you have taken to rectify this situation within 30 days of receiving this letter. Please send me an updated copy of my credit report reflecting the corrections made, free of charge. Failure to address and correct these inaccuracies in a timely manner will result in my pursuit of all available legal remedies to protect my rights. This includes but is not limited to filing complaints with relevant regulatory authorities and seeking legal counsel. I sincerely appreciate your prompt attention to this matter. Should you require any further information or supporting documentation, please do not hesitate to contact me at the phone number or email address provided above. I trust that you will handle this dispute with the utmost integrity and resolve it promptly. Thank you for your cooperation. Sincerely, [Your Name]