This form is a sample letter in Word format covering the subject matter of the title of the form.
Subject: Rhode Island Sample Letter to Credit Bureau Concerning Decedent's Credit Report — Attorney Dear [Credit Bureau Name], I hope this letter finds you well. As a representative of the estate of [Decedent's Name], I am writing to address an important matter concerning the credit report of the aforementioned deceased individual. The purpose of this communication is to request assistance in ensuring the accuracy and appropriate handling of the credit report associated with [Decedent's Name]. As an attorney, it is my duty to protect the rights and interests of my client, even after their passing. Please note that this letter specifically pertains to Rhode Island state laws and regulations. [Option 1: Dispute Inaccurate Information] Firstly, I have reviewed the credit report for [Decedent's Name] and identified several discrepancies and inaccuracies. It is essential that any incorrect information regarding their credit history be rectified promptly. The following items require review and correction: 1. [Detail the specific inaccurate items or discrepancies on the credit report, such as erroneous accounts, outdated information, or false late payments.] I kindly request that the credit bureau initiates an investigation into these disputed items, as mandated by the Fair Credit Reporting Act (FCRA) and the Rhode Island Fair Credit Reporting Act (RIF CRA). The swift correction of these inaccuracies will ensure the integrity of the credit information associated with the estate of [Decedent's Name]. [Option 2: Freeze or Close Decedent's Credit Report] Alternatively, if your bureau allows for the freezing or closure of a deceased individual's credit report, I request that such action be taken to prevent any unauthorized and potentially fraudulent use of the [Decedent's Name]'s credit information. Please provide relevant instructions and documentation necessary to complete this process based on Rhode Island laws and your specific guidelines. I kindly advise that any third-party entities attempting to acquire credit in the name of the deceased without proper authorization will be in violation of both state and federal laws. [Option 3: Notification of Death] Furthermore, it is crucial that the credit bureau is made aware of the passing of [Decedent's Name] in compliance with Rhode Island state regulations. Updating the status of the credit report not only prevents potential misuse of the information but also ensures accurate record-keeping. Please provide guidance on any specific legal requirements or forms necessary to accomplish this task. In conclusion, I kindly request your immediate attention and action regarding the matters raised in this letter. The estate of [Decedent's Name] relies on your professionalism and compliance with Rhode Island laws to safeguard their credit information appropriately. Should you require any additional documentation or information, please do not hesitate to contact me at [Contact Information]. I appreciate your prompt response and cooperation in resolving the matters related to [Decedent's Name]'s credit report. Thank you for your attention to this important matter. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Your Contact Information]
