Wyoming Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• Control #: US-0900LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP] [Date] [Collection Agency Name] [Collection Agency Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I am writing to formally request the removal of derogatory credit information from my credit report. This information pertains to an account that is listed under my name with your collection agency. I would like to bring to your attention that I have recently obtained a copy of my credit report and discovered that the derogatory credit information is negatively impacting my creditworthiness. As a responsible consumer, I believe it is essential to maintain a healthy credit history, and I take proactive measures to rectify any errors or discrepancies in my credit report. I am attaching a copy of my credit report highlighting the specific account in question. It is important to note that I have thoroughly reviewed my credit report, and I have noticed that this account has already been paid in full/settled/closed as per our previous agreement. Therefore, the derogatory credit information related to this account should have been removed from my credit report in accordance with the Fair Credit Reporting Act. I kindly request that you investigate this matter promptly and provide me with written confirmation of the removal of the derogatory credit information from all three major credit bureaus: Equifax, Experian, and TransUnion. I expect this matter to be resolved within 30 days from the date of receipt of this letter. In addition, I would like to request that you provide me with a written statement confirming the removal of this account and confirming that it will no longer be reported to any credit reporting agencies in the future. Please ensure that this statement includes the date of removal and the name of the credit bureaus you have notified. If the investigation reveals that this account is indeed inaccurate or incomplete, I urge you to take immediate action to rectify the error and to update my credit reports accordingly. Should this be the case, I also request that you send me a corrected copy of my credit report, once the necessary modifications are made. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and should you fail to comply with my request, I will not hesitate to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. I trust that you will handle this request with utmost urgency and professionalism. Should you require any additional information or documentation, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Name] Enclosure: Copy of Credit Report with highlighted account information

[Your Name] [Your Address] [City, State, ZIP] [Date] [Collection Agency Name] [Collection Agency Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information Dear Sir/Madam, I am writing to formally request the removal of derogatory credit information from my credit report. This information pertains to an account that is listed under my name with your collection agency. I would like to bring to your attention that I have recently obtained a copy of my credit report and discovered that the derogatory credit information is negatively impacting my creditworthiness. As a responsible consumer, I believe it is essential to maintain a healthy credit history, and I take proactive measures to rectify any errors or discrepancies in my credit report. I am attaching a copy of my credit report highlighting the specific account in question. It is important to note that I have thoroughly reviewed my credit report, and I have noticed that this account has already been paid in full/settled/closed as per our previous agreement. Therefore, the derogatory credit information related to this account should have been removed from my credit report in accordance with the Fair Credit Reporting Act. I kindly request that you investigate this matter promptly and provide me with written confirmation of the removal of the derogatory credit information from all three major credit bureaus: Equifax, Experian, and TransUnion. I expect this matter to be resolved within 30 days from the date of receipt of this letter. In addition, I would like to request that you provide me with a written statement confirming the removal of this account and confirming that it will no longer be reported to any credit reporting agencies in the future. Please ensure that this statement includes the date of removal and the name of the credit bureaus you have notified. If the investigation reveals that this account is indeed inaccurate or incomplete, I urge you to take immediate action to rectify the error and to update my credit reports accordingly. Should this be the case, I also request that you send me a corrected copy of my credit report, once the necessary modifications are made. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and should you fail to comply with my request, I will not hesitate to pursue legal action to protect my rights. Thank you for your prompt attention to this matter. I trust that you will handle this request with utmost urgency and professionalism. Should you require any additional information or documentation, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Name] Enclosure: Copy of Credit Report with highlighted account information