6d • Q&A Credit Repair
📦 BANKRUPTCY REMOVAL LETTER PACK (2026 Edition)
BANKRUPTCY REMOVAL LETTER PACK (2026 Edition)
Includes:
- 📄 Freeze Request Letters (LexisNexis, CoreLogic, SageStream)
- 📄 Initial Dispute Letter to Credit Bureaus
- 📄 Verification Failure Follow-Up Letter
- 📄 Optional CFPB Complaint Description (for escalation)
📄 1. Freeze Request Letter (Use for LexisNexis, CoreLogic, SageStream)
[Your Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Date]
[Agency Name – Replace Below]
LexisNexis Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108
Subject: Request for Security Freeze on Consumer Data File
To Whom It May Concern,
I am requesting a security freeze be placed on my consumer data file with your agency. This request is made pursuant to my rights under the Fair Credit Reporting Act and any applicable state laws.
Please process this request immediately and confirm the freeze in writing. Enclosed are copies of the following for identity verification:
- Government-issued photo ID
- Proof of address (utility bill or bank statement)
Thank you for your assistance.
Sincerely,
[Your Signature]
[Your Printed Name]
[Last 4 of SSN]
[Date of Birth]
📌 Repeat this for CoreLogic and SageStream — just change the address.
📄 2. Initial Dispute Letter to Credit Bureaus (Bankruptcy Reporting)
[Your Full Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Date]
[Credit Bureau Name – Experian, Equifax, or TransUnion]
[Address]
Subject: Request for Verification of Bankruptcy Reporting (FCRA 611)
To Whom It May Concern,
Upon reviewing my credit report, I noticed a bankruptcy is being reported. I contacted the [Insert Court Name] and was informed that they do **not furnish data to the credit bureaus**, and therefore could not have been the source of this information.
### Bankruptcy Details:
- Case Number: [Insert Number]
- Filing Date: [Insert Date]
- Court: [Insert Court Name]
- Status: [Discharged/Dismissed]
As per the Fair Credit Reporting Act, please verify the accuracy and source of this information. I am requesting:
1. The name of the party reporting this item
2. The method of verification used
3. Supporting documentation used in the investigation
If you cannot verify the information through an official source, I request that it be **deleted from my report immediately**.
Enclosed are copies of:
- My ID
- Proof of address
- A highlighted copy of the report showing the bankruptcy
Thank you for your prompt attention to this matter.
Sincerely,
[Your Full Name]
[Last 4 of SSN]
[DOB]
📄 3. Follow-Up “Failure to Verify” Letter (If They Respond With Generic ‘Verified’)
[Your Full Name]
[Your Address]
[City, State ZIP Code]
[Phone Number]
[Date]
[Credit Bureau Name]
[Credit Bureau Address]
Subject: Second Request – Failure to Verify Bankruptcy Reporting
To Whom It May Concern,
This is a follow-up to my previous correspondence regarding the bankruptcy reporting on my credit file. You responded stating the item was “verified,” yet you failed to provide:
- The name of the furnishing party
- The source of the data
- Any supporting documentation used in the verification
I have confirmed with [Insert Court Name] that **they do not report to the credit bureaus**, which means your source is unverifiable.
Under the FCRA, if an item cannot be verified, it must be deleted. I request the immediate removal of this bankruptcy from my credit file or I will escalate this matter with the CFPB.
Thank you again for your attention.
Sincerely,
[Your Name]
[Last 4 of SSN]
[Date of Birth]
📄 4. CFPB Complaint Description (To File Online)
I am filing a formal complaint regarding the continued reporting of a bankruptcy on my credit report.
I contacted the courthouse directly and was told they do not report consumer information to any credit bureaus.
I disputed the item with [Insert Bureau] and was told it was verified, yet no documentation or source was provided.
This violates my rights under FCRA Section 611.
I request that this public record be removed or fully validated with supporting documentation.
👉 File it at:
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📦 BANKRUPTCY REMOVAL LETTER PACK (2026 Edition)
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