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: Request for Removal of Inaccurate Information from My Credit Report — Texas Letter to Credit Bureau Dear [Credit Bureau], I hope this letter finds you well. I am writing to you today to request the removal of inaccurate information that is negatively impacting my credit report. As a resident of Texas, I understand my rights under the Fair Credit Reporting Act (FCRA) and seek your assistance in rectifying this matter promptly. Upon reviewing my credit report on [date], I discovered several errors that require your attention. These inaccuracies are causing significant damage to my creditworthiness and could potentially hinder my financial opportunities. I kindly ask that you carefully investigate and correct the following issues: 1. [Inaccurate Item 1]: Please remove [description] from my credit report, as it does not pertain to me. This erroneous information is damaging my credit score without any basis in reality. 2. [Inaccurate Item 2]: [Description of the second inaccurate item] is not accurate and is adversely affecting my creditworthiness. I request your immediate attention in eliminating this incorrect entry from my credit report. 3. [Inaccurate Item 3]: The inclusion of [description of the third inaccurate item] is inaccurate and misleading. I have never had any association with this account, and it is essential that you remove it from my credit report. In accordance with the FCRA, I formally request that you conduct a thorough investigation into these disputed items and remove them from my credit report. I kindly ask that you provide me with a written confirmation of receipt of this letter and an estimated timeline for the completion of your investigation, as required by law. Enclosed with this letter, please find copies of relevant supporting documents, such as [provide a list of supporting documents attached] that confirm the inaccuracies mentioned above. These documents serve as evidence and support my request for the immediate removal of the incorrect information. Furthermore, I kindly ask you to inform me in writing of any actions taken or changes made to my credit report as a result of your investigations. It would greatly assist me in monitoring the progress and ensuring the corrections are accurately reflected. Please note that under the FCRA, failure to investigate or correct inaccurate information within a reasonable time frame may result in legal repercussions. I trust that you will handle my request with the utmost professionalism and promptness. Thank you for your prompt attention to this matter. I look forward to a swift resolution and receiving an updated credit report reflecting the accurate information. Please feel free to contact me via the provided contact details should you require any additional information or have any questions. Yours sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address] Keywords: Texas letter, credit bureau, removal of inaccurate information, Fair Credit Reporting Act (FCRA), credit report, inaccurate item, investigation, supporting documents, legal repercussions, prompt resolution.Subject: Request for Removal of Inaccurate Information from My Credit Report — Texas Letter to Credit Bureau Dear [Credit Bureau], I hope this letter finds you well. I am writing to you today to request the removal of inaccurate information that is negatively impacting my credit report. As a resident of Texas, I understand my rights under the Fair Credit Reporting Act (FCRA) and seek your assistance in rectifying this matter promptly. Upon reviewing my credit report on [date], I discovered several errors that require your attention. These inaccuracies are causing significant damage to my creditworthiness and could potentially hinder my financial opportunities. I kindly ask that you carefully investigate and correct the following issues: 1. [Inaccurate Item 1]: Please remove [description] from my credit report, as it does not pertain to me. This erroneous information is damaging my credit score without any basis in reality. 2. [Inaccurate Item 2]: [Description of the second inaccurate item] is not accurate and is adversely affecting my creditworthiness. I request your immediate attention in eliminating this incorrect entry from my credit report. 3. [Inaccurate Item 3]: The inclusion of [description of the third inaccurate item] is inaccurate and misleading. I have never had any association with this account, and it is essential that you remove it from my credit report. In accordance with the FCRA, I formally request that you conduct a thorough investigation into these disputed items and remove them from my credit report. I kindly ask that you provide me with a written confirmation of receipt of this letter and an estimated timeline for the completion of your investigation, as required by law. Enclosed with this letter, please find copies of relevant supporting documents, such as [provide a list of supporting documents attached] that confirm the inaccuracies mentioned above. These documents serve as evidence and support my request for the immediate removal of the incorrect information. Furthermore, I kindly ask you to inform me in writing of any actions taken or changes made to my credit report as a result of your investigations. It would greatly assist me in monitoring the progress and ensuring the corrections are accurately reflected. Please note that under the FCRA, failure to investigate or correct inaccurate information within a reasonable time frame may result in legal repercussions. I trust that you will handle my request with the utmost professionalism and promptness. Thank you for your prompt attention to this matter. I look forward to a swift resolution and receiving an updated credit report reflecting the accurate information. Please feel free to contact me via the provided contact details should you require any additional information or have any questions. Yours sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Phone Number] [Email Address] Keywords: Texas letter, credit bureau, removal of inaccurate information, Fair Credit Reporting Act (FCRA), credit report, inaccurate item, investigation, supporting documents, legal repercussions, prompt resolution.
