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.
Montana Letter from Consumer to Credit Reporting Agency Disputing Information in File: [Your Name] [Your Address] [City, State, Zip code] [Date] [Credit Reporting Agency Name] [Address] [City, State, Zip code] Subject: Disputing Inaccurate Information in My Credit Report Dear [Credit Reporting Agency Name], I am writing to formally dispute certain inaccurate information that is currently present in my credit report. I have thoroughly reviewed the report you provided to me, and after careful examination, I have identified the following discrepancies: 1. [Specify the first inaccurate information item, such as incorrect account information, wrong payment dates, or unauthorized inquiries.] 2. [Describe the second inaccurate information item. Be specific and provide any supporting evidence you may have.] 3. [State any additional inaccurate information items that need to be disputed.] I request that you investigate these discrepancies and promptly rectify the errors in my credit report. It is crucial that my credit history reflects only accurate and up-to-date information. As you are aware, maintaining an accurate credit report is of utmost importance, as it affects not only my current financial standing but also future financial opportunities. To expedite the investigation process, I have enclosed copies of supporting documents that substantiate my claim. These documents include [list all relevant supporting documents, such as payment receipts, correspondence with the creditor, or identity verification]. Furthermore, as per the Fair Credit Reporting Act (FCRA), I kindly ask that you provide me with a free copy of my updated credit report once the investigation is complete. This will allow me to verify that the necessary amendments have been made accurately. Please acknowledge the receipt of this dispute letter within [state a reasonable time frame, e.g., 30 days] and inform me of the steps you will be taking to address my concerns. Per the FCRA, I expect you to initiate an investigation within 30 days of receiving this letter. Also, please inform me of any actions taken regarding this dispute and when I can anticipate the resolution. I appreciate your prompt attention to this matter and the correction of any inaccuracies in my credit report. Failure to address these concerns within the specified time frame will leave me with no choice but to pursue legal remedies to protect my rights under the FCRA. Thank you for your immediate attention to this matter. I am looking forward to a swift resolution in resolving these inaccurate items. Please provide any updates or correspondence to the address listed above. Sincerely, [Your Name] Enclosures: — Copy of my credit report indicating the disputed items — Supporting documentation for each disputed itemMontana Letter from Consumer to Credit Reporting Agency Disputing Information in File: [Your Name] [Your Address] [City, State, Zip code] [Date] [Credit Reporting Agency Name] [Address] [City, State, Zip code] Subject: Disputing Inaccurate Information in My Credit Report Dear [Credit Reporting Agency Name], I am writing to formally dispute certain inaccurate information that is currently present in my credit report. I have thoroughly reviewed the report you provided to me, and after careful examination, I have identified the following discrepancies: 1. [Specify the first inaccurate information item, such as incorrect account information, wrong payment dates, or unauthorized inquiries.] 2. [Describe the second inaccurate information item. Be specific and provide any supporting evidence you may have.] 3. [State any additional inaccurate information items that need to be disputed.] I request that you investigate these discrepancies and promptly rectify the errors in my credit report. It is crucial that my credit history reflects only accurate and up-to-date information. As you are aware, maintaining an accurate credit report is of utmost importance, as it affects not only my current financial standing but also future financial opportunities. To expedite the investigation process, I have enclosed copies of supporting documents that substantiate my claim. These documents include [list all relevant supporting documents, such as payment receipts, correspondence with the creditor, or identity verification]. Furthermore, as per the Fair Credit Reporting Act (FCRA), I kindly ask that you provide me with a free copy of my updated credit report once the investigation is complete. This will allow me to verify that the necessary amendments have been made accurately. Please acknowledge the receipt of this dispute letter within [state a reasonable time frame, e.g., 30 days] and inform me of the steps you will be taking to address my concerns. Per the FCRA, I expect you to initiate an investigation within 30 days of receiving this letter. Also, please inform me of any actions taken regarding this dispute and when I can anticipate the resolution. I appreciate your prompt attention to this matter and the correction of any inaccuracies in my credit report. Failure to address these concerns within the specified time frame will leave me with no choice but to pursue legal remedies to protect my rights under the FCRA. Thank you for your immediate attention to this matter. I am looking forward to a swift resolution in resolving these inaccurate items. Please provide any updates or correspondence to the address listed above. Sincerely, [Your Name] Enclosures: — Copy of my credit report indicating the disputed items — Supporting documentation for each disputed item
