[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Dispute of Erroneous Information on Credit Report — South Dakota Consumer Rights Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report with [Credit Bureau Name]. Upon careful review and perusing the provisions of the Fair Credit Reporting Act (FCRA), I have identified numerous inaccuracies that require immediate attention in order to rectify my credit history. I hereby request you to investigate and correct the following erroneous information listed on my credit report. 1. Identification Information: — Incorrect Full Name: My legal name is [Your Full Legal Name], however, my credit report inaccurately lists it as [Incorrect Full Name]. — Inaccurate Social Security Number: My correct Social Security Number is [Your SSN], but the credit report shows [Incorrect SSN]. — Outdated Address: My current residence is [Your Current Address], but the credit report inaccurately displays my previous address as [Incorrect Address]. 2. Erroneous Account Information: — Account Inclusion: The credit report includes an account listed as [Account Name/Number], which does not belong to me. I have no association with this account and request its immediate removal from my credit report. — Incorrect Payment History: The credit report erroneously states that I made multiple late payments on [Account Name/Number]. However, I have verifiable evidence that these payments were made on time. I request an investigation into this matter to correct the misleading information accordingly. 3. Mistaken Public Record Information: — Inaccurate Judgements: The credit report reflects an erroneous public record, specifically a judgement by [Court Name] dated [Date]. I have never been involved in any legal proceedings resulting in a judgement against me. Please rectify this mistake promptly. — Outdated Tax Lien: The credit report lists a tax lien dated [Date] from [Taxing Authority]. This information is outdated and has been resolved since [Date]. I request immediate removal of this inaccurate public record. According to the FCRA Section 611(a)(1)(A), it is the credit bureau's responsibility to promptly investigate and correct any disputed information. Therefore, I kindly request you to initiate an investigation into these errors within the statutory period of 30 days, as mentioned under FCRA Section 611(a)(1)(B). Enclosed are copies of documents supporting my claims, including my valid identification, correct Social Security Number, proof of address, and any other relevant evidence. I trust that these documents will assist you in accurately assessing my dispute. Upon completion of your investigation, I kindly request that you provide me with a written response detailing the actions taken to rectify the inaccuracies in my credit report. Moreover, I expect a corrected copy of my credit report to be sent to my address and updated with the relevant credit reporting agencies as per FCRA Section 611(a)(2). Please note that, in accordance with the FCRA, any failure to address this dispute properly and rectify the inaccuracies may result in legal consequences, necessitating further action to protect my rights as a consumer. Thank you for giving prompt attention to this matter. I eagerly await a swift resolution as outlined by law. Sincerely, [Your Full Legal Name] [Your Social Security Number] [Enclosures: Copies of supporting documents]
[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Dispute of Erroneous Information on Credit Report — South Dakota Consumer Rights Dear Sir/Madam, I am writing to dispute the accuracy of certain information appearing on my credit report with [Credit Bureau Name]. Upon careful review and perusing the provisions of the Fair Credit Reporting Act (FCRA), I have identified numerous inaccuracies that require immediate attention in order to rectify my credit history. I hereby request you to investigate and correct the following erroneous information listed on my credit report. 1. Identification Information: — Incorrect Full Name: My legal name is [Your Full Legal Name], however, my credit report inaccurately lists it as [Incorrect Full Name]. — Inaccurate Social Security Number: My correct Social Security Number is [Your SSN], but the credit report shows [Incorrect SSN]. — Outdated Address: My current residence is [Your Current Address], but the credit report inaccurately displays my previous address as [Incorrect Address]. 2. Erroneous Account Information: — Account Inclusion: The credit report includes an account listed as [Account Name/Number], which does not belong to me. I have no association with this account and request its immediate removal from my credit report. — Incorrect Payment History: The credit report erroneously states that I made multiple late payments on [Account Name/Number]. However, I have verifiable evidence that these payments were made on time. I request an investigation into this matter to correct the misleading information accordingly. 3. Mistaken Public Record Information: — Inaccurate Judgements: The credit report reflects an erroneous public record, specifically a judgement by [Court Name] dated [Date]. I have never been involved in any legal proceedings resulting in a judgement against me. Please rectify this mistake promptly. — Outdated Tax Lien: The credit report lists a tax lien dated [Date] from [Taxing Authority]. This information is outdated and has been resolved since [Date]. I request immediate removal of this inaccurate public record. According to the FCRA Section 611(a)(1)(A), it is the credit bureau's responsibility to promptly investigate and correct any disputed information. Therefore, I kindly request you to initiate an investigation into these errors within the statutory period of 30 days, as mentioned under FCRA Section 611(a)(1)(B). Enclosed are copies of documents supporting my claims, including my valid identification, correct Social Security Number, proof of address, and any other relevant evidence. I trust that these documents will assist you in accurately assessing my dispute. Upon completion of your investigation, I kindly request that you provide me with a written response detailing the actions taken to rectify the inaccuracies in my credit report. Moreover, I expect a corrected copy of my credit report to be sent to my address and updated with the relevant credit reporting agencies as per FCRA Section 611(a)(2). Please note that, in accordance with the FCRA, any failure to address this dispute properly and rectify the inaccuracies may result in legal consequences, necessitating further action to protect my rights as a consumer. Thank you for giving prompt attention to this matter. I eagerly await a swift resolution as outlined by law. Sincerely, [Your Full Legal Name] [Your Social Security Number] [Enclosures: Copies of supporting documents]
