This form is a sample letter in Word format covering the subject matter of the title of the form.
Subject: Attorneys — New Jersey Sample Letter to Credit Bureau concerning Decedent's Credit Report Dear [Credit Bureau], I am writing to you as an attorney representing the estate of a deceased individual residing in the state of New Jersey. I have recently been appointed by the executor of the estate to handle matters related to the decedent's credit report. Firstly, it is crucial to address the issue of the decedent's credit report still being active. As per New Jersey state law, upon the death of an individual, their credit report should be flagged or closed to prevent any further unauthorized activities. This is to safeguard the rights and privacy of the deceased. I respectfully request that you update the credit report of the decedent, [Decedent's Full Name], to reflect their deceased status promptly. This request is in accordance with the Fair Credit Reporting Act (FCRA) and the New Jersey Revised Statutes (N.J.R.S.), specifically N.J.R.S. Title 46 — "Personal Property," Chapter 22— - "Dispositions In Case of Nonprobate Administration." Additionally, it is essential to ensure that any debts or obligations in the name of the decedent are correctly attributed and recorded. Consequently, I kindly request that you review the decedent's credit report for any inaccuracies related to outstanding debts or loans. If there are any discrepancies, I ask that you rectify them by removing any incorrect information, updating the status, or transferring the applicable accounts to the estate. In the case where the deceased individual had joint accounts, I instruct you to remove the decedent's name from those accounts and update the credit report accordingly. It is vital to separate the credit history of the decedent from that of any surviving joint account holders. Furthermore, to facilitate the administration of the estate, I kindly request that you provide me, as the attorney representing the estate, with a complete copy of the updated credit report once the necessary changes have been made. This will enable me to assist the executor accurately in addressing the decedent's outstanding financial matters. Please consider this letter as an official request and respond promptly, within the timeframe required by the FCRA, acknowledging the actions taken to fulfill this request. I kindly remind you of your legal obligation to comply with these requests and would appreciate your cooperation in resolving this matter. If there are any New Jersey-specific forms or additional procedures that need to be followed to address this matter effectively, please provide them to me, along with any other relevant instructions. Thank you for your attention to this matter. I look forward to your prompt response and cooperation. Sincerely, [Your Name] [Your Law Firm Name] [Your Contact Information]
