Subject: Request for a Free Copy of Credit Report — Denial of Credit [Your Name] [Your Address] [City, State, ZIP Code] [Date] Trans Union P.O. Box 2000 Chester, PA 19016 Dear Sir/Madam, I am writing to formally request a free copy of my credit report from Trans Union in accordance with the provisions of the Fair Credit Reporting Act (FCRA) Section 611. I have recently been denied credit, and I believe reviewing my credit report will help me understand the reasons behind this decision. As a resident of Hillsborough, Florida, I understand that I have the right to access my credit report, which will enable me to identify any errors or inaccuracies that may have contributed to the denial of credit I received. Hillsborough County, located on the Gulf Coast of Florida, is known for its vibrant communities such as Tampa, Brandon, Plant City, and Temple Terrace. I kindly request that you provide me with a complete copy of my credit report, including all information related to my credit history, payment history, public records, and inquiries. Please also include a list of all individuals or organizations that have recently accessed my credit information. This will help me ensure the accuracy and integrity of my credit file. In order to expedite the process, I have included the following details: Full 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] Telephone Number: [Your Phone Number] Email Address: [Your Email Address] Please be aware that the FCRA requires you to provide me with a free copy of my credit report within 30 days of receiving this request. Upon receiving the report, I will thoroughly review it for any discrepancies. Should I find any inaccuracies, I will promptly contact Trans Union to rectify the information. I am also aware of my right to dispute any incorrect information under the FCRA. Thank you for your attention to this matter. I appreciate your prompt assistance in providing me with the requested credit report. Please feel free to contact me at [Your Phone Number] or [Your Email Address] if you require any further information. Yours sincerely, [Your Name]