South Dakota Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit

• Category: Loans and Lending - Credit Score
• State: Multi-State
• Control #: US-CREDIT-2
• Format: Word; Rich Text

Description

This is a multi-state form covering the subject matter of the title. Dear Equifax, I am writing to request a free copy of my credit report based on the denial of credit I recently encountered. As a resident of South Dakota, I would like to exercise my rights under the Fair Credit Reporting Act (FCRA) to obtain this report. I recently applied for credit, and to my surprise, my request was denied. According to the notice I received, the decision was based on information in my credit report. As an individual who highly values maintaining a good credit history, I am concerned about the accuracy of the information that led to this denial. To ensure that the information in my credit report is correct and up to date, I kindly request that you provide me with a free copy of the report within the legal time frame as prescribed by the FCRA. As an authorized credit reporting agency, I trust that Equifax will handle my request promptly and efficiently. In order to process my request accurately, please find below the necessary details: Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Contact Number: [Your Contact Number] Email Address: [Your Email Address] Additionally, I would like to remind you of my rights under the FCRA. If any inaccurate or incomplete information is found on my credit report, I have the right to dispute it. I also have the right to know who received my credit report within the past year or within the last two years for employment purposes. Furthermore, I am entitled to a free copy of my credit report if I am unemployed and intend to apply for employment within the next 60 days, or if I am a victim of identity theft. I truly appreciate your attention to this matter and your prompt response. Kindly provide me with a written confirmation when my request is being processed and the estimated timeline for receiving my credit report. Thank you for your assistance in resolving this matter. I look forward to your positive response. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code]

Dear Equifax, I am writing to request a free copy of my credit report based on the denial of credit I recently encountered. As a resident of South Dakota, I would like to exercise my rights under the Fair Credit Reporting Act (FCRA) to obtain this report. I recently applied for credit, and to my surprise, my request was denied. According to the notice I received, the decision was based on information in my credit report. As an individual who highly values maintaining a good credit history, I am concerned about the accuracy of the information that led to this denial. To ensure that the information in my credit report is correct and up to date, I kindly request that you provide me with a free copy of the report within the legal time frame as prescribed by the FCRA. As an authorized credit reporting agency, I trust that Equifax will handle my request promptly and efficiently. In order to process my request accurately, please find below the necessary details: Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Contact Number: [Your Contact Number] Email Address: [Your Email Address] Additionally, I would like to remind you of my rights under the FCRA. If any inaccurate or incomplete information is found on my credit report, I have the right to dispute it. I also have the right to know who received my credit report within the past year or within the last two years for employment purposes. Furthermore, I am entitled to a free copy of my credit report if I am unemployed and intend to apply for employment within the next 60 days, or if I am a victim of identity theft. I truly appreciate your attention to this matter and your prompt response. Kindly provide me with a written confirmation when my request is being processed and the estimated timeline for receiving my credit report. Thank you for your assistance in resolving this matter. I look forward to your positive response. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code]

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