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Your Name
123 Your Street Address
Your City, ST 01234 | Credit Bureau
Credit Bureau Address
Some City, Any State 56789 |
Date:
RE: Dispute Letter of (Date you sent in first or subsequent requests)
Dear Credit Bureau,
This letter is formal notice that you have failed to respond to my dispute letter of (date). I sent this letter registered mail and have enclosed a copy of the return receipt which you signed on the some date. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit ReportingAct and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying that the credit item you have mistakenly placed on my records in incorrect.
The following information therefore needs to be verified and deleted from the report as soon as possible: |
 | CREDITOR AGENCY, acct. (the corresponding number on report 123-34567-ABC) |
| Please delete this erroneous item from my credit report as soon as possible. |
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Sincerely,
your signature
Your Name
SSN# 123-45-6789
Don't forget to provide copies of your original letter and documentation!
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