Oregon Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• Control #: US-0900LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Request for Removal of Derogatory Credit Information — Oregon Sample Letter [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Request for Removal of Derogatory Credit Information Dear [Credit Bureau Name], I hope this letter finds you well. I am writing to request the removal of derogatory credit information from my credit report. I understand that it is my right as a consumer to dispute inaccurate or outdated credit information in accordance with the Fair Credit Reporting Act (FCRA) and the state laws of Oregon. Furthermore, I have reviewed my credit report obtained from your credit bureau, and I have found the following derogatory credit information which I believe is inaccurate and should be removed: 1. [Specify the Derogatory Credit Information]: This information is incorrect because [explain why it is inaccurate]. 2. [Specify another Derogatory Credit Information]: I request the removal of this information because [provide a clear explanation of the inaccuracy or outdated nature of the item]. I have attached supporting documents, such as proof of payment or any relevant documentation that validates my claim. I kindly request that you investigate the matter promptly and commence the necessary steps to remove the disputed items from my credit report. Under the FCRA, you are required to complete your investigation and provide me with the results within 30 days of receiving this letter. If your investigation reveals that the disputed information is indeed incorrect or cannot be verified, I urge you to remove it immediately and send me an updated and accurate copy of my credit report. Please provide me with a written confirmation of the actions taken to address this matter. I also request that you inform all creditors who have received my credit report within the past six months about the removal of the erroneous information. Failure to comply with the FCRA's guidelines may result in potential legal action. Thank you in advance for your prompt attention to this matter. I look forward to a swift resolution to remove the erroneous derogatory credit information from my credit report. Sincerely, [Your Name]

Subject: Request for Removal of Derogatory Credit Information — Oregon Sample Letter [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP Code] Subject: Request for Removal of Derogatory Credit Information Dear [Credit Bureau Name], I hope this letter finds you well. I am writing to request the removal of derogatory credit information from my credit report. I understand that it is my right as a consumer to dispute inaccurate or outdated credit information in accordance with the Fair Credit Reporting Act (FCRA) and the state laws of Oregon. Furthermore, I have reviewed my credit report obtained from your credit bureau, and I have found the following derogatory credit information which I believe is inaccurate and should be removed: 1. [Specify the Derogatory Credit Information]: This information is incorrect because [explain why it is inaccurate]. 2. [Specify another Derogatory Credit Information]: I request the removal of this information because [provide a clear explanation of the inaccuracy or outdated nature of the item]. I have attached supporting documents, such as proof of payment or any relevant documentation that validates my claim. I kindly request that you investigate the matter promptly and commence the necessary steps to remove the disputed items from my credit report. Under the FCRA, you are required to complete your investigation and provide me with the results within 30 days of receiving this letter. If your investigation reveals that the disputed information is indeed incorrect or cannot be verified, I urge you to remove it immediately and send me an updated and accurate copy of my credit report. Please provide me with a written confirmation of the actions taken to address this matter. I also request that you inform all creditors who have received my credit report within the past six months about the removal of the erroneous information. Failure to comply with the FCRA's guidelines may result in potential legal action. Thank you in advance for your prompt attention to this matter. I look forward to a swift resolution to remove the erroneous derogatory credit information from my credit report. Sincerely, [Your Name]