Suffolk New York Sample Letter for Request for Removal of Derogatory Credit Information

• Category: Letters - Legal - Credit
• State: Multi-State
• County: Suffolk
• 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] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information — Account [Account Number] Dear Sir/Madam, I am writing to formally request the removal of derogatory credit information from my credit report. The purpose of this letter is to rectify inaccurate or unjustly reported derogatory credit marks reflected on my credit history. I recently obtained a copy of my credit report from your esteemed credit bureau and was concerned to find that there are derogatory remarks associated with my credit history. I believe these entries are erroneous, and as per my rights under the Fair Credit Reporting Act, I am entitled to prompt investigation and removal of inaccurate information. In particular, I would like to address the following derogatory entry: Account Number: [Account Number] Creditor Name: [Creditor Name] Date of First Delinquency: [Date of First Delinquency] Amount Owed: [Amount Owed] Upon careful review of my records, I can confirm that the information stated above does not accurately represent my credit history. I assert that the entry is incorrect, as I have never been late in making payments to this creditor. I would appreciate your immediate attention to this matter. In accordance with the Fair Credit Reporting Act, I kindly request that you initiate an investigation into the accuracy of this derogatory entry. As per § 1681i(a)(B)(ii), your investigation must be completed within 30 days of receiving this request. Furthermore, I insist that you provide me with written verification affirming the removal of the inaccurate information upon completion of your investigation. Enclosed with this letter, please find copies of supporting documents that substantiate my claim and demonstrate that the derogatory entry is erroneous. These documents include payment records, bank statements, and correspondence with the creditor. I trust that you will assess the evidence thoroughly and impartially. I kindly ask that you promptly confirm receipt of this letter and notify me of the date when the investigation will commence. Please keep me informed throughout the process, and provide updates on the status of my request. If additional information is required, I am more than willing to provide any necessary documentation promptly. Failure to comply with this request within the specified timeframe will result in my pursuit of legal remedies available under the Fair Credit Reporting Act. This includes the possibility of filing a formal complaint with the Consumer Financial Protection Bureau and seeking legal advice and representation. I appreciate your prompt attention to this matter and trust that you will handle this dispute with the utmost professionalism and accuracy. Thank you for your cooperation. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State, ZIP] Subject: Request for Removal of Derogatory Credit Information — Account [Account Number] Dear Sir/Madam, I am writing to formally request the removal of derogatory credit information from my credit report. The purpose of this letter is to rectify inaccurate or unjustly reported derogatory credit marks reflected on my credit history. I recently obtained a copy of my credit report from your esteemed credit bureau and was concerned to find that there are derogatory remarks associated with my credit history. I believe these entries are erroneous, and as per my rights under the Fair Credit Reporting Act, I am entitled to prompt investigation and removal of inaccurate information. In particular, I would like to address the following derogatory entry: Account Number: [Account Number] Creditor Name: [Creditor Name] Date of First Delinquency: [Date of First Delinquency] Amount Owed: [Amount Owed] Upon careful review of my records, I can confirm that the information stated above does not accurately represent my credit history. I assert that the entry is incorrect, as I have never been late in making payments to this creditor. I would appreciate your immediate attention to this matter. In accordance with the Fair Credit Reporting Act, I kindly request that you initiate an investigation into the accuracy of this derogatory entry. As per § 1681i(a)(B)(ii), your investigation must be completed within 30 days of receiving this request. Furthermore, I insist that you provide me with written verification affirming the removal of the inaccurate information upon completion of your investigation. Enclosed with this letter, please find copies of supporting documents that substantiate my claim and demonstrate that the derogatory entry is erroneous. These documents include payment records, bank statements, and correspondence with the creditor. I trust that you will assess the evidence thoroughly and impartially. I kindly ask that you promptly confirm receipt of this letter and notify me of the date when the investigation will commence. Please keep me informed throughout the process, and provide updates on the status of my request. If additional information is required, I am more than willing to provide any necessary documentation promptly. Failure to comply with this request within the specified timeframe will result in my pursuit of legal remedies available under the Fair Credit Reporting Act. This includes the possibility of filing a formal complaint with the Consumer Financial Protection Bureau and seeking legal advice and representation. I appreciate your prompt attention to this matter and trust that you will handle this dispute with the utmost professionalism and accuracy. Thank you for your cooperation. Sincerely, [Your Name]