Jun 26 • URBAN GEMS & FINESSE 💎🏦
LETTER TEMPLATE
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[Your Name]
[Your Address]
[City, State ZIP Code]
[Email Address]
[Date]
To:
[Equifax / Experian / TransUnion – Choose or send to all three]
[Dispute Department Address – insert correct bureau address]
RE: Formal Dispute of Inaccurate Information Under FCRA
Accounts in Question: [List Account Names & Numbers]
To Whom It May Concern,
I am formally disputing the accuracy and completeness of the following entries on my credit report as provided by your bureau under my name and Social Security number.
The following accounts contain inaccurate and unverifiable information:
• [Account Name, Last 4 Digits] – Late Payments (MM/YY to MM/YY)
• [Collection Agency Name / Account] – Placed in collections without proper validation
According to the Fair Credit Reporting Act (FCRA), you are legally required to ensure all information you report is accurate, complete, and verifiable. Under FCRA § 611 [15 U.S.C. § 1681i], I am invoking my right to dispute these items and request an immediate investigation.
LEGAL VIOLATIONS AND GROUNDS FOR REMOVAL:
1. Failure to maintain maximum accuracy – FCRA § 607(b) [15 U.S.C. § 1681e(b)]
You are required to have reasonable procedures in place to ensure maximum accuracy. Reporting unverifiable or outdated negative data is a direct violation of this.
2. Failure to validate debt – FDCPA § 809 (15 U.S. Code § 1692g)
The collections reported were never properly validated by the debt collector in writing upon my request. Continuing to report them without validation is a violation of my rights under the Fair Debt Collection Practices Act.
3. Obsolete information reporting – FCRA § 605(a)
If any of these negative accounts are over 7 years old from the date of first delinquency, they must be removed immediately as they are now obsolete.
4. Reinsertion of previously deleted or disputed data – FCRA § 611(a)(5)(B)
If any of these accounts were previously removed and reinserted without notifying me within five business days, this is a direct breach of federal law.
⸻
DEMAND FOR ACTION:
I demand that these inaccurate, unverified, and potentially obsolete accounts be immediately removed from my credit report across all bureaus. This includes all late payments and collection entries listed above.
Failure to correct and delete these accounts within the legal timeframe (30 days from receipt of this dispute) will result in the following actions:
• A formal complaint filed with the Consumer Financial Protection Bureau (CFPB)
• Notification to the State Attorney General’s Office
• Preparation for a civil lawsuit for willful noncompliance under FCRA § 616 and negligent noncompliance under FCRA § 617, where I may seek damages and legal fees
This letter also serves as evidence should this matter escalate.
In accordance with the E-Oscar dispute system, you are obligated to investigate this dispute and report back with full documentation of your findings. If you cannot fully verify with original signed contracts, accurate records, and direct validation, then by law, the account(s) must be deleted immediately.
Please mail your results and a copy of my updated credit report to the address listed above.
Sincerely,
[Your Full Name]
SSN: XXX-XX-XXXX (last 4 only)
Date of Birth: [MM/DD/YYYY]
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LETTER TEMPLATE
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