23d • Q&A Credit Repair
MASTER TEMPLATE CATEGORIES FOR DISPUTES
🔹 A. GENERAL DISPUTE LETTERS TO CRAs (Experian, Equifax, TransUnion)
- General Dispute of Securitized DebtFor unknown or unverifiable debts, demanding deletion unless strict proof of ownership and non-securitization is produced.
- Debt Purchased or Transferred from Original CreditorUsed when original creditor is no longer reporting but debt appears via third-party collector.
- Charge-Off Reporting with No Chain of Title ProofWhen a charged-off account is still reported without evidence of enforceable rights.
- Duplicate Account Reporting Post-SecuritizationFor cases where multiple entries of the same debt appear due to ownership changes.
🔹 B. CREDITOR/FURNISHER SPECIFIC DISPUTE TEMPLATES
- Dispute Letter to Debt Collector / Junk Debt BuyerDemand validation and chain of title from companies like Portfolio Recovery, Midland, etc.
- Dispute Letter to Original Creditor (OC)When the OC continues to report post-sale/securitization in violation of UCC and TILA.
- Letter to Mortgage Servicer Regarding REMIC / SPV IssuesEspecially powerful when mortgage has been bundled into MBS.
🔹 C. SPECIALTY ACCOUNT TEMPLATES
- Mortgage Loan Dispute – MBS or REMIC Evidence DemandApplies advanced securitization scrutiny to mortgage-backed securities.
- Auto Loan Dispute – ABS Transfer InvestigationAuto debt is often securitized into asset-backed securities.
- Credit Card Debt Dispute – Collateral & Derivative InquiryChallenges post-charge-off sale of credit card debt and improper reporting.
- Student Loan Dispute – FFEL or Private Loan SecuritizationEspecially for private loans sold to trust entities.
🔹 D. MULTI-PARTY ESCALATION TEMPLATES
- Combined CRA + Furnisher Dispute PacketA consolidated demand to both CRA and data furnisher with matching legal assertions.
- CFPB Complaint Template (Litigation-Ready)For filing regulatory complaints backed with legal citations and case law.
- FTC / State AG Letter of Violation NoticeWhen violations persist, and state/federal regulators need to be notified.
🔹 E. FINAL NOTICE & ESCALATION TEMPLATES
- Final Notice Before LitigationExplicitly warns of filing in federal court if deletion or full verification is not received.
- Notice of Intent to File Civil Claim for FCRA, FDCPA, GLBA ViolationsIncludes demand for monetary compensation.
- Notice of Discovery Hold / Litigation Preservation RequestDemands CRAs and furnishers preserve documents related to chain of title, securitization, and reporting.
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MASTER TEMPLATE CATEGORIES FOR DISPUTES
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