This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). 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. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
Subject: Request for Removal of Inaccurate Information from Credit Report in New Mexico Dear [Credit Bureau Name], I am writing to formally request the removal of inaccurate information from my credit report in accordance with the laws and regulations set forth by the Fair Credit Reporting Act (FCRA) and the state of New Mexico. Enclosed with this letter, you will find supportive documentation outlining the erroneous items in question. [Type of Error #1 — Such as Incorrect Personal Information] One of the inaccuracies I have identified in my credit report is [describe the error in detail]. Despite my attempts to rectify this issue with the creditor, they have failed to amend their records. I kindly request that you investigate this matter and remove the incorrect information from my credit report. [Type of Error #2 — Such as Erroneous Account Status] Additionally, I have noticed that [describe the error in detail]. This discrepancy has negatively affected my creditworthiness and has caused significant distress. Please conduct a thorough investigation into this matter and remove the inaccurate information promptly. Furthermore, I urge you to take into consideration the specific laws and regulations established under the state of New Mexico. The Fair Credit Reporting Act ensures that my credit report remains accurate, fair, and updated. As a resident of New Mexico, I am entitled to protection under the New Mexico Fair Credit Reporting Act (NMRA), which provides additional provisions concerning credit reporting and individual consumer rights within the state. Under both the FCRA and the NMRA, it is mandatory that you verify the accuracy of the information contained within my credit report. I kindly request that you provide me with a written response within 30 days, confirming the completion of a comprehensive investigation and outlining the actions taken to eliminate the inaccurate information from my credit report. To assist you in this investigation, I have attached the following supporting documents for your reference: 1. A copy of my credit report from your bureau, highlighting the specific errors. 2. Copies of correspondence between myself and the relevant creditors, illustrating my efforts to rectify the inaccuracies. 3. Any additional documents demonstrating the discrepancies between the reported information and the actual facts. I understand that the credit reporting agencies play a crucial role in maintaining accurate consumer credit information. Therefore, I trust that you will handle this matter with the utmost professionalism and efficiency. Failure to remove the inaccurate information will leave me with no choice but to take legal action to ensure the rectification of this matter. I trust that it will not come to this, and we can resolve this issue amicably. Thank you for your prompt attention to this matter. I look forward to receiving your written response within the specified timeframe. Should you require any further information or have any questions, please do not hesitate to contact me at the address and phone number provided below. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone number] [Email Address] -------------------------------------------------------------------------------------------------------------------------- Different types of New Mexico letters to credit bureaus requesting the removal of inaccurate information may include: 1. New Mexico Specific Dispute Letter: This type of letter emphasizes relevant state laws and regulations, such as the New Mexico Fair Credit Reporting Act (NMRA), to strengthen the request for the removal of inaccurate information. It highlights the additional rights and protections granted to consumers residing in New Mexico. 2. Identity Theft Dispute Letter: In cases of identity theft, individuals may send a letter requesting the removal of fraudulent accounts or incorrect information resulting from unauthorized activities. This letter may include statements declaring the fraudulent nature of the reported information and requesting immediate investigation and removal. 3. Incorrect Account Status Letter: This type of letter focuses on disputing incorrect account statuses on the credit report. For example, it may request the correction of an account listed as "open" or "delinquent" when it should be labeled as "paid" or "closed" due to a disputed payment or settlement. 4. Mistaken Late Payment Letter: In instances where a payment was made on time but mistakenly recorded as late on the credit report, individuals can send a letter requesting the removal of the erroneously reported late payment. This letter may contain evidence of timely payment, such as bank statements or receipts. Please note that the content provided above is a sample letter and should be customized to fit the individual circumstances and specific inaccuracies in the credit report.Subject: Request for Removal of Inaccurate Information from Credit Report in New Mexico Dear [Credit Bureau Name], I am writing to formally request the removal of inaccurate information from my credit report in accordance with the laws and regulations set forth by the Fair Credit Reporting Act (FCRA) and the state of New Mexico. Enclosed with this letter, you will find supportive documentation outlining the erroneous items in question. [Type of Error #1 — Such as Incorrect Personal Information] One of the inaccuracies I have identified in my credit report is [describe the error in detail]. Despite my attempts to rectify this issue with the creditor, they have failed to amend their records. I kindly request that you investigate this matter and remove the incorrect information from my credit report. [Type of Error #2 — Such as Erroneous Account Status] Additionally, I have noticed that [describe the error in detail]. This discrepancy has negatively affected my creditworthiness and has caused significant distress. Please conduct a thorough investigation into this matter and remove the inaccurate information promptly. Furthermore, I urge you to take into consideration the specific laws and regulations established under the state of New Mexico. The Fair Credit Reporting Act ensures that my credit report remains accurate, fair, and updated. As a resident of New Mexico, I am entitled to protection under the New Mexico Fair Credit Reporting Act (NMRA), which provides additional provisions concerning credit reporting and individual consumer rights within the state. Under both the FCRA and the NMRA, it is mandatory that you verify the accuracy of the information contained within my credit report. I kindly request that you provide me with a written response within 30 days, confirming the completion of a comprehensive investigation and outlining the actions taken to eliminate the inaccurate information from my credit report. To assist you in this investigation, I have attached the following supporting documents for your reference: 1. A copy of my credit report from your bureau, highlighting the specific errors. 2. Copies of correspondence between myself and the relevant creditors, illustrating my efforts to rectify the inaccuracies. 3. Any additional documents demonstrating the discrepancies between the reported information and the actual facts. I understand that the credit reporting agencies play a crucial role in maintaining accurate consumer credit information. Therefore, I trust that you will handle this matter with the utmost professionalism and efficiency. Failure to remove the inaccurate information will leave me with no choice but to take legal action to ensure the rectification of this matter. I trust that it will not come to this, and we can resolve this issue amicably. Thank you for your prompt attention to this matter. I look forward to receiving your written response within the specified timeframe. Should you require any further information or have any questions, please do not hesitate to contact me at the address and phone number provided below. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone number] [Email Address] -------------------------------------------------------------------------------------------------------------------------- Different types of New Mexico letters to credit bureaus requesting the removal of inaccurate information may include: 1. New Mexico Specific Dispute Letter: This type of letter emphasizes relevant state laws and regulations, such as the New Mexico Fair Credit Reporting Act (NMRA), to strengthen the request for the removal of inaccurate information. It highlights the additional rights and protections granted to consumers residing in New Mexico. 2. Identity Theft Dispute Letter: In cases of identity theft, individuals may send a letter requesting the removal of fraudulent accounts or incorrect information resulting from unauthorized activities. This letter may include statements declaring the fraudulent nature of the reported information and requesting immediate investigation and removal. 3. Incorrect Account Status Letter: This type of letter focuses on disputing incorrect account statuses on the credit report. For example, it may request the correction of an account listed as "open" or "delinquent" when it should be labeled as "paid" or "closed" due to a disputed payment or settlement. 4. Mistaken Late Payment Letter: In instances where a payment was made on time but mistakenly recorded as late on the credit report, individuals can send a letter requesting the removal of the erroneously reported late payment. This letter may contain evidence of timely payment, such as bank statements or receipts. Please note that the content provided above is a sample letter and should be customized to fit the individual circumstances and specific inaccuracies in the credit report.
