This form is a sample letter requesting the removal of inaccurate information. Always include any copies of proof you may have (e.g., copies of cancelled checks showing timely payments). If the person claims that the information of the bureau is erroneous, the bureau must take steps within a reasonable time to determine the accuracy of the disputed items. If no correction is made, the debtor can write a 100 word statement of clarification which will be included in future credit reports, even it the agency disagrees with clarification.
Subject: South Dakota Letter to Credit Bureau Requesting Removal of Inaccurate Information Dear [Credit Bureau Name], I am writing to request the removal of inaccurate information from my credit report. As a resident of South Dakota, I understand the importance of maintaining an accurate credit history and preserving my financial reputation. After reviewing my credit report, I have identified several errors that require your attention. Firstly, I would like to bring to your attention the inclusion of [specific inaccurate information]. This item wrongly reflects a late payment on [date], whereas in reality, the payment in question was made on time. I have attached supporting documentation, such as bank statements or payment receipts, to verify this discrepancy. Secondly, I noticed [another inaccurate information / additional errors] as prescribed in my credit report. These inaccuracies, if left unaddressed, can potentially harm my creditworthiness and impede my ability to secure loans or obtain favorable interest rates. As a responsible borrower, I wish to rectify these discrepancies promptly. Therefore, I kindly request that you initiate an investigation into the aforementioned items and remove any inaccurate or unverifiable information from my credit report according to the Fair Credit Reporting Act (FCRA) guidelines. To facilitate the process, I have enclosed copies of supporting documentation and highlighted the specific errors on the attached credit report. Additionally, I request that you provide me with a written confirmation of the removal of the disputed items once the investigation is completed. Furthermore, I urge you to notify all other credit bureaus with which you have shared this inaccurate information, as required by applicable regulations. Ensuring consistent and accurate credit reporting across all platforms is crucial to maintaining a fair and equitable financial system. In accordance with the FCRA, I kindly request that you complete the investigation within a reasonable timeframe of 30 days from the receipt of this letter. Failure to comply with these guidelines may result in legal actions to protect my rights under federal law. Please update me promptly on the progress of this investigation and the subsequent actions taken. You can reach me at [your contact information] or via email at [your email address]. Thank you for your attention to this matter. I believe in the importance of correcting inaccuracies promptly, ensuring a fair representation of my credit history as a resident of South Dakota. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Today's Date] Alternate Types of South Dakota Letter to Credit Bureau Requesting Removal of Inaccurate Information: 1. South Dakota Letter to Credit Bureau Requesting Removal of Identity Theft-Related Inaccurate Information 2. South Dakota Letter to Credit Bureau Requesting Removal of Incorrect Personal Information 3. South Dakota Letter to Credit Bureau Requesting Removal of Outdated or Expired Information 4. South Dakota Letter to Credit Bureau Requesting Removal of Account in Good Standing Incorrectly Reported as Delinquent 5. South Dakota Letter to Credit Bureau Requesting Removal of Duplicate Entries Please note that these are just a few examples, and the type of letter to credit bureau requested may vary depending on the specific situation or type of error encountered in the credit report.Subject: South Dakota Letter to Credit Bureau Requesting Removal of Inaccurate Information Dear [Credit Bureau Name], I am writing to request the removal of inaccurate information from my credit report. As a resident of South Dakota, I understand the importance of maintaining an accurate credit history and preserving my financial reputation. After reviewing my credit report, I have identified several errors that require your attention. Firstly, I would like to bring to your attention the inclusion of [specific inaccurate information]. This item wrongly reflects a late payment on [date], whereas in reality, the payment in question was made on time. I have attached supporting documentation, such as bank statements or payment receipts, to verify this discrepancy. Secondly, I noticed [another inaccurate information / additional errors] as prescribed in my credit report. These inaccuracies, if left unaddressed, can potentially harm my creditworthiness and impede my ability to secure loans or obtain favorable interest rates. As a responsible borrower, I wish to rectify these discrepancies promptly. Therefore, I kindly request that you initiate an investigation into the aforementioned items and remove any inaccurate or unverifiable information from my credit report according to the Fair Credit Reporting Act (FCRA) guidelines. To facilitate the process, I have enclosed copies of supporting documentation and highlighted the specific errors on the attached credit report. Additionally, I request that you provide me with a written confirmation of the removal of the disputed items once the investigation is completed. Furthermore, I urge you to notify all other credit bureaus with which you have shared this inaccurate information, as required by applicable regulations. Ensuring consistent and accurate credit reporting across all platforms is crucial to maintaining a fair and equitable financial system. In accordance with the FCRA, I kindly request that you complete the investigation within a reasonable timeframe of 30 days from the receipt of this letter. Failure to comply with these guidelines may result in legal actions to protect my rights under federal law. Please update me promptly on the progress of this investigation and the subsequent actions taken. You can reach me at [your contact information] or via email at [your email address]. Thank you for your attention to this matter. I believe in the importance of correcting inaccuracies promptly, ensuring a fair representation of my credit history as a resident of South Dakota. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Today's Date] Alternate Types of South Dakota Letter to Credit Bureau Requesting Removal of Inaccurate Information: 1. South Dakota Letter to Credit Bureau Requesting Removal of Identity Theft-Related Inaccurate Information 2. South Dakota Letter to Credit Bureau Requesting Removal of Incorrect Personal Information 3. South Dakota Letter to Credit Bureau Requesting Removal of Outdated or Expired Information 4. South Dakota Letter to Credit Bureau Requesting Removal of Account in Good Standing Incorrectly Reported as Delinquent 5. South Dakota Letter to Credit Bureau Requesting Removal of Duplicate Entries Please note that these are just a few examples, and the type of letter to credit bureau requested may vary depending on the specific situation or type of error encountered in the credit report.
