2d • Mario Jewels
Below is the FCRA Student Loan Removal Letter Pack
I’ll include:
- Letter #1 – 609 Verification Request (to Credit Bureaus)
- Letter #2 – 623 Direct Dispute (to Student Loan Servicer)
- Letter #3 – Escalation Follow-Up (to CFPB / AG if needed)
📄
LETTER #1 – 609 Verification Request (to Credit Bureaus)
Send To: Experian, Equifax, TransUnion
Subject: Request for Verification under FCRA §609(a)(1)(A)
Your Name: [Client’s Full Name]
Address: [Client’s Address]
Date of Birth: [MM/DD/YYYY]
SSN (last 4): [XXXX]
Date: [Today’s Date]
To Whom It May Concern,
This letter is a formal request under the Fair Credit Reporting Act (FCRA) §609(a)(1)(A) for verification of all student loan accounts listed on my credit report under my name. I am requesting full documentation to substantiate the accuracy and ownership of the following accounts:
Account Names/Numbers: [List each student loan account as shown on the report]
Pursuant to the FCRA, please provide:
- The original signed promissory note bearing my signature.
- Full payment history, including date of last activity.
- The name and address of the furnisher reporting this data.
- All source documentation used in your verification process.
If you are unable to verify the complete accuracy of these items, they must be deleted immediately under FCRA §611(a)(5)(A).
Please send your response to the address listed above within 30 days as required by law.
Sincerely,
[Your Full Name]
Signature: ______________________
(Include copy of ID and proof of address)
📄
LETTER #2 – 623 Direct Dispute (to Student Loan Servicer)
Send To: [Servicer Name – e.g., Navient, MOHELA, Nelnet, Aidvantage]
Subject: Direct Dispute under FCRA §623(a)(8) – Inaccurate Student Loan Reporting
Your Name: [Client’s Full Name]
Address: [Client’s Address]
Date of Birth: [MM/DD/YYYY]
SSN (last 4): [XXXX]
Date: [Today’s Date]
To Whom It May Concern,
I am writing to dispute the accuracy of student loan information your company is furnishing to the credit reporting agencies.
Under FCRA §623(a)(8), this letter serves as a direct dispute notice requiring you to investigate and verify the information you are reporting.
Account Name/Number: [List loan info here]
The following items appear inaccurate or unverifiable:
- [Example: Incorrect payment history]
- [Example: Account showing open when closed]
- [Example: Reporting late payments during deferment/forbearance]
Please provide written verification including:
- The original loan agreement or signed promissory note.
- Account payment records and dates reported to bureaus.
- Proof of accuracy for each disputed item.
If you cannot provide full verification within 30 days, the inaccurate information must be deleted from all credit reports as required under FCRA §611(a)(5).
Sincerely,
[Your Full Name]
Signature: ______________________
📄
LETTER #3 – Escalation Complaint (to CFPB / State Attorney General)
Send To:
- Consumer Financial Protection Bureau (CFPB.gov/complaint)
- Your State Attorney General’s Office
Subject: Formal Complaint – Violation of the Fair Credit Reporting Act (FCRA)
To Whom It May Concern,
I am submitting this complaint regarding noncompliance with the Fair Credit Reporting Act (FCRA) by [Credit Bureau/Servicer Name]. Despite my formal disputes under FCRA §§ 609, 611, and 623, the company has failed to provide proper verification, or continues to report unverifiable and inaccurate student loan data.
Attached are:
- Copies of my dispute letters
- Proof of delivery
- Bureau responses (if any)
I am requesting an investigation into these violations and immediate enforcement of my consumer rights under the FCRA.
Sincerely,
[Your Full Name]
Signature: ______________________
1
3 comments
Below is the FCRA Student Loan Removal Letter Pack
skool.com/credit2businessfunding
Credit repair included with Building business credit, unlock high-limit funding, and growing your business with expert strategies, tools, resources
Leaderboard (30-day)
1
+2
2
+1
3
+1
Powered by