Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit [Your Name] [Your Address] [City, State, ZIP Code] [Date] Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 Subject: Request for Free Copy of Credit Report based on Denial of Credit Dear Equifax, I hope this letter finds you well. I am writing to request a free copy of my credit report from Equifax, as I have recently been denied credit based on information in your credit report. As a resident of New York, I would like to exercise my rights under the Fair Credit Reporting Act (FCRA), specifically Section 612, which provides the right to a free credit report when credit is denied. I have enclosed the following information for identity verification purposes: 1. Full name: [Your Full Name] 2. Social Security Number: [Your SSN] 3. Date of Birth: [Your Date of Birth] 4. Current Address: [Your Current Address] 5. Previous Address (if applicable): [Your Previous Address] 6. Phone Number: [Your Phone Number] Furthermore, I would appreciate if you could provide information on the following, if available: 1. The name of the creditor or lender that denied my credit application. 2. The date of the credit application or any relevant transaction. 3. Any other relevant information or factors that influenced the denial of credit. Please note that under FCRA Section 611, I am also entitled to a brief statement describing the nature of the information on which the denial was based. Kindly include this statement along with my credit report. I understand that you have a legal obligation to provide me with the free copy of my credit report within 30 days of receiving this letter. However, I kindly request that you expedite this process, as timely access to my credit report is crucial for understanding the factors that led to the denial of credit. Thank you in advance for your prompt attention to this matter. Please do not hesitate to contact me at the provided phone number or email address if any additional information or documentation is required. Sincerely, [Your Name]