[Your Name] [Your Address] [City, State, ZIP Code] [Date] Experian — Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Based on Credit Denial Dear Experian, I hope this letter finds you well. I am writing to you as a resident of North Dakota to request a free copy of my credit report as per my rights under the Fair Credit Reporting Act (FCRA), section 609. I recently applied for credit and was denied, which prompted me to request a review of my credit history to identify any potential errors or discrepancies that may have led to this denial. As a credit bureau formerly known as TRY, Experian holds a significant responsibility in maintaining accurate and up-to-date credit information for its consumers, ensuring the fairness and integrity of the credit reporting system. Since my credit application was denied, I am exercising my right to request a free copy of my credit report within 60 days, according to FCRA regulations. To assist you in processing my request promptly and accurately, please find the necessary information below: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] I kindly request that you provide me with a complete and detailed copy of my credit report, including any and all information, records, and accounts associated with my credit profile. This includes personal details, credit accounts, payment history, collection accounts, public records, and any other relevant information that may have contributed to the denial of credit. In North Dakota, individuals have the right to access their credit reports free of charge upon credit denial. Therefore, I would appreciate if you could acknowledge this request as soon as possible and provide the credit report within the legally stipulated timeframe of 30 days. Moreover, if any inaccurate information or discrepancies are discovered during the review, I kindly request that you investigate and correct them in accordance with the FCRA requirements. It is crucial to maintain the accuracy and completeness of my credit report, as any negative information can have severe consequences on my financial stability and the ability to secure favorable credit terms in the future. To ensure a smooth and efficient process, please notify me in writing or via email at [Your Email Address] once my credit report is available for review. Furthermore, as per the FCRA, please inform me of my right to dispute any inaccurate information found in my credit report and provide the necessary instructions to do so. Thank you for your swift attention to this matter. I understand the importance of an accurate credit report, and I believe that Experian's commitment to transparency and consumer protection will be upheld throughout this process. If you require any further information or documentation, please do not hesitate to contact me. Sincerely, [Your Full Name]
[Your Name] [Your Address] [City, State, ZIP Code] [Date] Experian — Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Based on Credit Denial Dear Experian, I hope this letter finds you well. I am writing to you as a resident of North Dakota to request a free copy of my credit report as per my rights under the Fair Credit Reporting Act (FCRA), section 609. I recently applied for credit and was denied, which prompted me to request a review of my credit history to identify any potential errors or discrepancies that may have led to this denial. As a credit bureau formerly known as TRY, Experian holds a significant responsibility in maintaining accurate and up-to-date credit information for its consumers, ensuring the fairness and integrity of the credit reporting system. Since my credit application was denied, I am exercising my right to request a free copy of my credit report within 60 days, according to FCRA regulations. To assist you in processing my request promptly and accurately, please find the necessary information below: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] I kindly request that you provide me with a complete and detailed copy of my credit report, including any and all information, records, and accounts associated with my credit profile. This includes personal details, credit accounts, payment history, collection accounts, public records, and any other relevant information that may have contributed to the denial of credit. In North Dakota, individuals have the right to access their credit reports free of charge upon credit denial. Therefore, I would appreciate if you could acknowledge this request as soon as possible and provide the credit report within the legally stipulated timeframe of 30 days. Moreover, if any inaccurate information or discrepancies are discovered during the review, I kindly request that you investigate and correct them in accordance with the FCRA requirements. It is crucial to maintain the accuracy and completeness of my credit report, as any negative information can have severe consequences on my financial stability and the ability to secure favorable credit terms in the future. To ensure a smooth and efficient process, please notify me in writing or via email at [Your Email Address] once my credit report is available for review. Furthermore, as per the FCRA, please inform me of my right to dispute any inaccurate information found in my credit report and provide the necessary instructions to do so. Thank you for your swift attention to this matter. I understand the importance of an accurate credit report, and I believe that Experian's commitment to transparency and consumer protection will be upheld throughout this process. If you require any further information or documentation, please do not hesitate to contact me. Sincerely, [Your Full Name]
