Santa Clara California Letter to Experian - formerly TRW - Requesting Free Copy of Your Credit Report based on Denial of Credit

• Category: Loans and Lending - Credit Score
• State: Multi-State
• County: Santa Clara
• Control #: US-CREDIT-3
• Format: Word; Rich Text

Description

This is a multi-state form covering the subject matter of the title. [Your Name] [Your Address] [City, State, ZIP Code] [Date] Experian Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Dear Experian, I am writing to formally request a free copy of my credit report as allowed under the Fair Credit Reporting Act, Section 612. I recently applied for credit and was denied based on the information provided by Experian. I have provided the relevant information below to assist in processing my request promptly: 1. Name: [Your Full Name] 2. Address: [Your Full Address, including City, State, ZIP Code] 3. Date of Birth: [Your Date of Birth] 4. Social Security Number: [Your Social Security Number] As per my understanding of the law, I am entitled to receive a free copy of my credit report within 60 days of receiving a notice of credit denial. Kindly provide me with a comprehensive credit report that includes all the information in your possession, including any adverse actions or negative records that may have contributed to the denial of my credit application. It is essential to note that the denial of credit based on information provided by Experian has potentially profound impacts on my financial well-being and opportunities. Therefore, I kindly request that you ensure accuracy, completeness, and fairness in preparing the credit report. I also request that you provide me with the names, addresses, and contact details of any institutions or organizations that have recently accessed my credit report. Understanding who has accessed my information will enable me to better assess any potential fraudulent activity. Please acknowledge the receipt of my request and provide me with a written confirmation of the same, along with an estimated timeline for processing. I understand that the credit report will be sent only to my current mailing address mentioned above for security reasons. Thank you for your prompt attention to this matter. I look forward to receiving my credit report and resolving any discrepancies or issues that may exist. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Date] Experian Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Dear Experian, I am writing to formally request a free copy of my credit report as allowed under the Fair Credit Reporting Act, Section 612. I recently applied for credit and was denied based on the information provided by Experian. I have provided the relevant information below to assist in processing my request promptly: 1. Name: [Your Full Name] 2. Address: [Your Full Address, including City, State, ZIP Code] 3. Date of Birth: [Your Date of Birth] 4. Social Security Number: [Your Social Security Number] As per my understanding of the law, I am entitled to receive a free copy of my credit report within 60 days of receiving a notice of credit denial. Kindly provide me with a comprehensive credit report that includes all the information in your possession, including any adverse actions or negative records that may have contributed to the denial of my credit application. It is essential to note that the denial of credit based on information provided by Experian has potentially profound impacts on my financial well-being and opportunities. Therefore, I kindly request that you ensure accuracy, completeness, and fairness in preparing the credit report. I also request that you provide me with the names, addresses, and contact details of any institutions or organizations that have recently accessed my credit report. Understanding who has accessed my information will enable me to better assess any potential fraudulent activity. Please acknowledge the receipt of my request and provide me with a written confirmation of the same, along with an estimated timeline for processing. I understand that the credit report will be sent only to my current mailing address mentioned above for security reasons. Thank you for your prompt attention to this matter. I look forward to receiving my credit report and resolving any discrepancies or issues that may exist. Sincerely, [Your Name]

Law summary