Credit Reporting Agency Dispute Letter #1

(Debtors Full Name)

(Street Address),
(City, State & Zip)
(Credit Reporting Agency)
(Address)
(City, State & Zip)
Date: ednesday, !une "", #$"%
Account Number(s):
&N Re: Credit Reporting Agency Disputed &tem
'o (om &t )ay Concern,
&t (as come to our attention t(at you are reporting *(at *e belie+e to be inaccurate data *(ic( *e dispute
and t(is letter is an appeal ,or your assistance- As a reporting agency you are go+erned by t(e Fair Credit
Reporting Act (FCRA), *(ic( protects consumers ,rom inaccurate, outdated or in+alidated in,ormation
reporting o, t(eir credit ,ile- '(e FCRA states t(at it.s t(e /ureau.s responsibility to ensure t(at all
in,ormation contained *it(in consumer credit ,iles is accurate and ,ree ,rom errors-
'(e ,ollo*ing in,ormation (as been allo*ed to be reported on my credit ,ile, & (a+e been denied credit and
(a+e been public embarrassed and (umiliated- &n an e,,ort to in+estigate t(ese accounts, & contacted t(e
collection agency or t(e original creditor and as0ed ,or documentation- Among ot(er t(ings, & as0ed ,or
e+idence & *as gi+en 1$2days notice to dispute t(e +alidity o, t(e debt-
'(e FCRA, "3 4-S-C- Section "56#g(a), mandates in no uncertain terms t(at a debtor (as 1$ days to
dispute t(e +alidity o, a debt- &, t(e creditor cannot pro+ide su,,icient e+idence t(at t(e debtor *as gi+en
ade7uate notice, t(e debtor must be gi+en anot(er 1$2day debt2+alidation period, and t(e creditor must
pro+ide e+idence t(e debtor is liable ,or t(e account(s) in 7uestion-
Attac(ments to support my claims on t(e ,ollo*ing accounts (a+e been included *it( t(is dispute letter and
are noted in t(e listing belo*- &.+e sent se+eral notices to t(ese creditors or collection agencies re7uesting
+alidation o, t(e account(s) belo*, but t(ey ,ailed to pro+ide ade7uate documentation pro+ing my liability
,or t(e account in 7uestion: I hereby dispute these debts and request the following items be thoroughly
investigated and deleted
Name o, Creditor /asis ,or Dispute Account Numbers Amount
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
(Name o, Creditor), /asis ,or Dispute, (Account Number), (Amount)
4pon completion o, your in+estigation please send a detailed description o, t(e procedures used to
determine t(e accuracy o, t(e account(s) & am disputing, as *ell as t(e name and contact in,ormation o, t(e
agent conducting said in+estigation in case ,urt(er communication is necessary- e reser+e t(e rig(t under
8entuc0y 9a* to record any incoming con+ersations and *e (a+e no obligation to ad+ise you t(at t(ey are
being recorded-
Sincerely,
Signature
!ent by Certified "ail !ignature required for delivery