[Your Name] [Your Address] [City, State, ZIP Code] [Date] Trans Union LLC Consumer Disclosure Center P.O. Box 1000 Chester, PA 19016 Subject: Request for Free Copy of Credit Report based on Denial of Credit Dear Sir/Madam, I am writing to formally request a free copy of my credit report as permitted under the Fair Credit Reporting Act (FCRA) Section 611. I recently received a notice from a creditor stating that my credit application was denied, citing information obtained from Trans Union. My personal and contact information is as follows: Full Name: [Your Full Name] Current Address: [Your Current Address] Social Security Number: [Your SSN] Date of Birth: [Your Date of Birth] I believe that it is my right as a consumer to obtain a free copy of my credit report from Trans Union, one of the nationwide consumer reporting agencies, to review the information being reported and to address any inaccuracies or discrepancies in a timely manner. In view of this, I kindly request that you provide me with a full copy of my credit report without charging the customary fee. As a resident of Contra Costa County, California, I understand that California residents are entitled to one free credit report from each of the three nationwide consumer reporting agencies, including Trans Union, each year under the California Consumer Credit Reporting Agencies Act (CC RAA). I specifically request that the credit report you provide includes all information, inquiries, accounts, and other relevant data that was used in determining my creditworthiness for the recent credit application. This includes any third-party information that may have contributed to the denial. Additionally, please include the credit score that was utilized during the decision-making process. As required by law, I am enclosing copies of supporting documents to verify my identity and address. Enclosed are the following: 1. Photocopy of my driver's license or state-issued identification card 2. Photocopy of a utility bill or bank statement showing my current address I kindly request that you process this request promptly, within the timeframe mandated by the FCRA. According to the FCRA, the consumer reporting agency is required to respond within 30 days of receiving such a request. I appreciate your attention to this matter and anticipate receiving my credit report as soon as possible. If you have any questions or require further information to process my request, please do not hesitate to contact me at [Your Phone Number] or via email at [Your Email Address]. Thank you for your prompt assistance in this matter. Sincerely, [Your Full Name]