This form is a sample letter in Word format covering the subject matter of the title of the form.
Dear Trans Union, I am writing to request a free copy of my credit report based on the denial of credit I recently experienced. As a resident of Ohio, I understand my rights under the Fair Credit Reporting Act (FCRA) and Ohio state laws that entitle me to obtain a copy of my credit report for free when my credit application has been denied. I recently applied for credit with [Name of the Creditor/Bank] on [Date of Application] and received a denial notice citing information from my credit report. This denial has prompted me to review the accuracy and completeness of my credit history, as well as address any adverse items that might have contributed to the denial. In accordance with FCRA and Ohio Revised Code § 1349.30, I kindly request that you provide me with a free copy of my credit report from Trans Union. I understand that, as one of the three major credit reporting agencies, Trans Union plays a crucial role in maintaining accurate and up-to-date credit information. To facilitate the process, I have included the necessary information below: 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] Please ensure that the credit report provided includes all relevant details, such as inquiries, accounts, collections, and public records. Additionally, if there are any adverse items present on my credit report, I kindly request a detailed explanation for each of them, as required by the FCRA. I understand that you are required by law to provide me with a free copy of my credit report within [30 days] of receiving this request. If there are any additional fees associated with other services or reports requested, please notify me in advance. I greatly appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address. Thank you for your cooperation in helping me resolve this issue. Sincerely, [Your Full Name] [Your Address] [City, State, Zip Code] [Your Email Address] [Your Phone Number] Different types of Ohio Sample Letters to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit may include variations in language and format, but the overall purpose and content remain the same. Some alternative versions could include: 1. Formal Ohio Sample Letter: This letter follows a formal tone, using professional language and adhering strictly to the guidelines needed for a legal request. 2. Concise Ohio Sample Letter: A more straightforward and concise letter with the necessary information, eliminating any extraneous details while still meeting the legal requirements. 3. Ohio Sample Letter with Proof of Denial: This version includes additional documentation, such as a copy of the denial notice received from the creditor, to support the request for a free credit report. 4. Ohio Sample Letter with Identity Verification: In some cases, Trans Union or the creditor may require additional identity verification. This letter variation includes additional supporting documents, such as a copy of a driver's license or utility bill, to confirm the requester's identity. 5. Ohio Sample Letter Seeking Dispute Resolution: If the denial notice contains errors or inaccurate information, this letter variation includes a section requesting a dispute resolution process to rectify the inaccuracies on the credit report. Remember to modify the letter based on your specific circumstances and consult legal professionals for advice and assistance if needed.
Dear Trans Union, I am writing to request a free copy of my credit report based on the denial of credit I recently experienced. As a resident of Ohio, I understand my rights under the Fair Credit Reporting Act (FCRA) and Ohio state laws that entitle me to obtain a copy of my credit report for free when my credit application has been denied. I recently applied for credit with [Name of the Creditor/Bank] on [Date of Application] and received a denial notice citing information from my credit report. This denial has prompted me to review the accuracy and completeness of my credit history, as well as address any adverse items that might have contributed to the denial. In accordance with FCRA and Ohio Revised Code § 1349.30, I kindly request that you provide me with a free copy of my credit report from Trans Union. I understand that, as one of the three major credit reporting agencies, Trans Union plays a crucial role in maintaining accurate and up-to-date credit information. To facilitate the process, I have included the necessary information below: 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] Please ensure that the credit report provided includes all relevant details, such as inquiries, accounts, collections, and public records. Additionally, if there are any adverse items present on my credit report, I kindly request a detailed explanation for each of them, as required by the FCRA. I understand that you are required by law to provide me with a free copy of my credit report within [30 days] of receiving this request. If there are any additional fees associated with other services or reports requested, please notify me in advance. I greatly appreciate your prompt attention to this matter and your adherence to the FCRA guidelines. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided phone number or email address. Thank you for your cooperation in helping me resolve this issue. Sincerely, [Your Full Name] [Your Address] [City, State, Zip Code] [Your Email Address] [Your Phone Number] Different types of Ohio Sample Letters to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit may include variations in language and format, but the overall purpose and content remain the same. Some alternative versions could include: 1. Formal Ohio Sample Letter: This letter follows a formal tone, using professional language and adhering strictly to the guidelines needed for a legal request. 2. Concise Ohio Sample Letter: A more straightforward and concise letter with the necessary information, eliminating any extraneous details while still meeting the legal requirements. 3. Ohio Sample Letter with Proof of Denial: This version includes additional documentation, such as a copy of the denial notice received from the creditor, to support the request for a free credit report. 4. Ohio Sample Letter with Identity Verification: In some cases, Trans Union or the creditor may require additional identity verification. This letter variation includes additional supporting documents, such as a copy of a driver's license or utility bill, to confirm the requester's identity. 5. Ohio Sample Letter Seeking Dispute Resolution: If the denial notice contains errors or inaccurate information, this letter variation includes a section requesting a dispute resolution process to rectify the inaccuracies on the credit report. Remember to modify the letter based on your specific circumstances and consult legal professionals for advice and assistance if needed.