This form is a sample letter in Word format covering the subject matter of the title of the form.
Subject: Pennsylvania Sample Letter to Credit Bureau concerning a Decedent's Credit Report — Attorney Dear [Credit Bureau's Name], I am writing as an attorney representing the estate of [Decedent's Full Name], who passed away on [date of death]. I am contacting you regarding their credit report, seeking clarification and necessary actions to ensure accurate information is being reported. As per the guidelines outlined in the Fair Credit Reporting Act (FCRA), it is essential to address any discrepancies found in a deceased individual's credit report to protect the reputation and rights of the decedent's estate. I kindly request your cooperation and attention to the following matter. I have reviewed the credit report of [Decedent's Full Name] and noticed some inaccuracies and outdated information that require immediate attention. Please find below a detailed list of the discrepancies I have identified: 1. Outdated Accounts: — [Account Name]: This account appears to be open and active, whereas it should be marked as 'Deceased' or 'Closed.' — [Account Name]: The reported status shows 'Active' despite the individual's passing. Please update the account status accordingly. 2. Inaccurate Payment History: — [Account Name]: This account suggests late payments made after the date of death, which is incorrect. Please correct the payment history and update it accordingly. 3. Duplicate Accounts: — [Account Name]: The same account is reported twice on the credit report, which may lead to misleading information. I kindly request this duplicate account be removed. 4. Credit Inquiries: — [Creditor's Name]: A recent credit inquiry from [Creditor's Name] appears on the report, despite the individual's passing. Please remove this inquiry as it does not reflect the decedent's credit activity. 5. Personal Information: — [Decedent's Full Name]: Ensure that all personal information, including name, address, and social security number, are accurate and up-to-date. To rectify these issues, I kindly request that the credit bureau undertakes the following actions: 1. Verify the deceased status of [Decedent's Full Name] and update the account status as 'Deceased' or 'Closed.' 2. Correct any inaccuracies in reported payment history, removing any late payments made after the date of death. 3. Remove any duplicate accounts that may exist in their credit report. 4. Eliminate any credit inquiries made after the date of death, as they are no longer relevant to the decedent's credit history. 5. Verify and update any incorrect or outdated personal information associated with the individual's credit report. I understand the importance of ensuring the accuracy of credit reports to maintain the integrity of the financial information and reputation of the decedent's estate. It is vital to rectify any errors promptly to avoid any unnecessary confusion, inconvenience, or misleading information. I kindly request that you provide written confirmation once the necessary modifications have been made to [Decedent's Full Name]'s credit report. Should additional information or documentation be required, please do not hesitate to contact me at [Attorney's Contact Information]. Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and effectively, in compliance with the FCRA guidelines. Sincerely, [Attorney's Full Name] [Attorney's Firm] [Contact Information: Address, Phone, Email]Subject: Pennsylvania Sample Letter to Credit Bureau concerning a Decedent's Credit Report — Attorney Dear [Credit Bureau's Name], I am writing as an attorney representing the estate of [Decedent's Full Name], who passed away on [date of death]. I am contacting you regarding their credit report, seeking clarification and necessary actions to ensure accurate information is being reported. As per the guidelines outlined in the Fair Credit Reporting Act (FCRA), it is essential to address any discrepancies found in a deceased individual's credit report to protect the reputation and rights of the decedent's estate. I kindly request your cooperation and attention to the following matter. I have reviewed the credit report of [Decedent's Full Name] and noticed some inaccuracies and outdated information that require immediate attention. Please find below a detailed list of the discrepancies I have identified: 1. Outdated Accounts: — [Account Name]: This account appears to be open and active, whereas it should be marked as 'Deceased' or 'Closed.' — [Account Name]: The reported status shows 'Active' despite the individual's passing. Please update the account status accordingly. 2. Inaccurate Payment History: — [Account Name]: This account suggests late payments made after the date of death, which is incorrect. Please correct the payment history and update it accordingly. 3. Duplicate Accounts: — [Account Name]: The same account is reported twice on the credit report, which may lead to misleading information. I kindly request this duplicate account be removed. 4. Credit Inquiries: — [Creditor's Name]: A recent credit inquiry from [Creditor's Name] appears on the report, despite the individual's passing. Please remove this inquiry as it does not reflect the decedent's credit activity. 5. Personal Information: — [Decedent's Full Name]: Ensure that all personal information, including name, address, and social security number, are accurate and up-to-date. To rectify these issues, I kindly request that the credit bureau undertakes the following actions: 1. Verify the deceased status of [Decedent's Full Name] and update the account status as 'Deceased' or 'Closed.' 2. Correct any inaccuracies in reported payment history, removing any late payments made after the date of death. 3. Remove any duplicate accounts that may exist in their credit report. 4. Eliminate any credit inquiries made after the date of death, as they are no longer relevant to the decedent's credit history. 5. Verify and update any incorrect or outdated personal information associated with the individual's credit report. I understand the importance of ensuring the accuracy of credit reports to maintain the integrity of the financial information and reputation of the decedent's estate. It is vital to rectify any errors promptly to avoid any unnecessary confusion, inconvenience, or misleading information. I kindly request that you provide written confirmation once the necessary modifications have been made to [Decedent's Full Name]'s credit report. Should additional information or documentation be required, please do not hesitate to contact me at [Attorney's Contact Information]. Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and effectively, in compliance with the FCRA guidelines. Sincerely, [Attorney's Full Name] [Attorney's Firm] [Contact Information: Address, Phone, Email]
