West Virginia Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit

• Category: Letters - Legal - Credit
• State: Multi-State
• Control #: US-0527LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Request for a Free Copy of Credit Report — Based on Denial of Credit [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] Equifax Disclosure Department P.O. Box 105069 Atlanta, GA 30348 [Your Name and Social Security Number] Dear Equifax Disclosure Department, I am writing to request a free copy of my credit report from Equifax as provided by the Fair Credit Reporting Act (FCRA) Section 612. I have recently been denied credit, and per the FCRA, I am entitled to a copy of my credit report within 60 days of receiving the denial notice. I received a denial of credit from [Creditor Name] on [Date], which stated that my application was rejected due to information contained in my credit report. To ensure the accuracy of this information and to better understand the factors contributing to the denial of credit, I kindly request that you provide me with a copy of my credit report. Please find enclosed the necessary documents as proof of identity and address, as stated in the instructions for requesting a credit report. Enclosed are: 1. Copies of two forms of identification (e.g., driver's license, passport). 2. Proof of address (e.g., utility bill, bank statement). If there are any additional documents required to complete this request, kindly inform me as soon as possible. As a resident of West Virginia, I would like to ensure that any state-specific information, laws, or regulations pertaining to the release of a free credit report are thoroughly considered in processing my request. If there are any particular forms or steps specific to West Virginia that need to be followed, please inform me promptly. Attached is a copy of the denial letter received from [Creditor Name], providing further evidence of the denial, as required by the FCRA. I would greatly appreciate receiving the requested credit report within 15 days of your receipt of this letter, as mandated by federal law. Additionally, please provide me with a written confirmation that my request has been processed and the date on which the credit report was mailed. In the event that the denial from [Creditor Name] was based on inaccurate information within my credit report, I kindly request your assistance in investigating and correcting any errors or discrepancies as per the FCRA guidelines. Should you have any questions or concerns regarding this request, please feel free to contact me at the provided phone number or email address. I thank you in advance for your prompt attention to this matter and your compliance with the FCRA's provisions. Sincerely, [Your Name]

Subject: Request for a Free Copy of Credit Report — Based on Denial of Credit [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] Equifax Disclosure Department P.O. Box 105069 Atlanta, GA 30348 [Your Name and Social Security Number] Dear Equifax Disclosure Department, I am writing to request a free copy of my credit report from Equifax as provided by the Fair Credit Reporting Act (FCRA) Section 612. I have recently been denied credit, and per the FCRA, I am entitled to a copy of my credit report within 60 days of receiving the denial notice. I received a denial of credit from [Creditor Name] on [Date], which stated that my application was rejected due to information contained in my credit report. To ensure the accuracy of this information and to better understand the factors contributing to the denial of credit, I kindly request that you provide me with a copy of my credit report. Please find enclosed the necessary documents as proof of identity and address, as stated in the instructions for requesting a credit report. Enclosed are: 1. Copies of two forms of identification (e.g., driver's license, passport). 2. Proof of address (e.g., utility bill, bank statement). If there are any additional documents required to complete this request, kindly inform me as soon as possible. As a resident of West Virginia, I would like to ensure that any state-specific information, laws, or regulations pertaining to the release of a free credit report are thoroughly considered in processing my request. If there are any particular forms or steps specific to West Virginia that need to be followed, please inform me promptly. Attached is a copy of the denial letter received from [Creditor Name], providing further evidence of the denial, as required by the FCRA. I would greatly appreciate receiving the requested credit report within 15 days of your receipt of this letter, as mandated by federal law. Additionally, please provide me with a written confirmation that my request has been processed and the date on which the credit report was mailed. In the event that the denial from [Creditor Name] was based on inaccurate information within my credit report, I kindly request your assistance in investigating and correcting any errors or discrepancies as per the FCRA guidelines. Should you have any questions or concerns regarding this request, please feel free to contact me at the provided phone number or email address. I thank you in advance for your prompt attention to this matter and your compliance with the FCRA's provisions. Sincerely, [Your Name]