Dispute letters

dispute letters

Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

Instructions at bottom. Universal Credit Dispute errors free at Equifax, TransUnion and Experian

Full name: Last__________________ First ________________Middle ____________

Social Security #________________________ Home Phone____________________

Date of Birth___________________________ Work Phone_____________________

Credit Dispute / Credit Report Account Dispute Section

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Company Name__________________________ Account #__________________________

__ Not my account __ Was never late __Account paid in full

__ Current status incorrect __ Other __Dispute

Courthouse or Collection Agency accounts

Courthouse or Collections agency_______________________________________________

Case number for courthouse records only_________________________________________

__ Not Mine (explain) __ Satisfied __ Released __ Dismissed

__ Discharged __ Collection was paid __ Other (explain)

Courthouse or Collections agency_______________________________________________

Case number for courthouse records only_________________________________________

__ Not Mine (explain) __ Satisfied __ Released __ Dismissed

__ Discharged __ Collection was paid __ Other (explain)

I certify that all information above is true and factual.

Signature ____________________________________________ date __________________

Chester, PA 19022

Atlanta, GA 30374-0241

Allen, TX 75013-2104

  1. Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

    • Use this credit dispute form to get remove errors, update errors, addresses to creditors or add comments.
    • To get an address, just mark not my account and fill in dates, amount and creditor for the entry. The entry will either be removed or you will receive a letter saying the account was verified with contact information so you can hash out differences with the creditor. So use this form to find addresses of creditors.
    • To remove errors state the errors with the form units and mail to bureaus. If you have improper credit entries like, fraud alerts, marked as dead, credit freezes, stolen identity or merged files, more than 7 years old, incorrect dating, duplicates or just plain errors use this form. If needed send a 100 word or less explanation of your problem or complaint.
    • If you can, negotiate first with a creditor and get information changed. Write or call the creditor and make arrangements to pay off in full or re-open and account with agreement to eliminate bad marks after 24 months elapse. Most credit card companies only report the previous 24 months and most collection agencies will remove entries if you pay them off in full including fees. Expect car loans, home loans, utilities and matters of law to very difficult if not impossible to get changes made. Most of the accounts take 7 � 10 years to fall off by law.
    • Print and mail the dispute form, when creditors hard to find yourself. Many times a creditor has gone out of business. These accounts should fall right off because the bureaus will not get a response in less than 30 days. So the longer it takes for the bureaus to respond the better your chances are the account will be deleted.
    • Make your dispute form simple by breaking up large groups of disputes into groups of 4 or less. More than 4 disputes per form, can sometimes be kicked out as frivolous. ie. If you dispute EVERYTHING, on your report that must be frivolous or ILLEGAL.
    • Include very detailed personal information such as a copy of your drivers license, social security card, phone bill, insurance, card, birth certificate on matters of fraud, merged files, or and even reporting person is deceased when person is clearly alive.
    • You can add a 50-100 word or less comment to any account on your report which you have a disagreement with a creditor. Just write a letter about a specific account (name, amount, date) then include necessary personal information and mail it to the bureaus above. The comment will not help your score but will help potential creditors make decision on credit applications.
    • Use the dispute form to make sure all your accounts that were included in a bankruptcy, "show9quot; included in bankruptcy and a 0 balance owed. Bankruptcies do not remove accounts but the accounts should show included in Bk and 0 balance owed.
    • If you are married and your spouse has the same data you have disputed, make sure you do another dispute form letter for your spouse.

The instructions below are detailed instructions listed on the web by the FTC on how to correct errors.

Under the FCRA, both the CRA and the organization that provided the information to the CRA, such as a bank or credit card company, have responsibilities for correcting inaccurate or incomplete information in my report. To protect all my rights under the law, contact both the CRA and the information provider.

First, tell the CRA in writing what information I believe is inaccurate. Include copies (NOT originals) of documents that support m position. In addition to providing m complete name and address, my letter should clearly identify each item in my report I dispute, I state the facts and explain why I dispute the information, and request deletion or correction. I may want to enclose a copy of my report with the items in question circled. I send my letter by certified mail, return receipt requested, so I can document what the CRA received. Keep copies of m dispute letter and enclosures.

CRAs must reinvestigate the items in question--usually within 30 days--unless they consider my dispute frivolous. They also must forward all relevant data I provide about the dispute to the information provider. After the information provider receives notice of a dispute from the CRA, it must investigate, review all relevant information provided by the CRA, and report the results to the CRA. If the information provider finds the disputed information to be inaccurate, it must notify all nationwide CRAs so they can correct this information in my file.

Disputed information that cannot be verified must be deleted from my file and never replaced.

  • If my report contains erroneous information, the CRA must correct it.
  • If an item is incomplete, the CRA must complete it. For example, if my file showed that I was were late making payments, but failed to show that I am no longer delinquent; the CRA must show that I'm current.
  • If my file shows an account that belongs only to another person, the CRA must delete it.
  • Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian

When the reinvestigation is complete, the CRA must give me the written results and a free copy of my report if the dispute results in a change. If an item is changed or removed, the CRA cannot put the disputed information back in my file unless the information provider verifies its accuracy and completeness, and the CRA gives me a written notice that includes the name, address, and phone number of the provider.

Also, if I request, the CRA must send notices of corrections to anyone who received my report in the past six months. Job applicants can have a corrected copy of their report sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve my dispute, ask the CRA to include my statement of the dispute in my file and in future reports.

Second, in addition to writing to the CRA, tell the creditor or other information provider in writing that I dispute an item. Again, include copies (NOT originals) of documents that support my position. Many providers specify an address for disputes. If the provider then reports the item to any CRA, it must include a notice of my dispute. In addition, if I am correct-that is, if the disputed information is not accurate-the information provider may not use it again. Accurate Negative Information When negative information in my report is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on my report for 7 years. There are certain exceptions:

  • Information about criminal convictions may be reported without any time limitation.
  • Bankruptcy information may be reported for 10 years.
  • Credit information reported in response to an application for a job with a salary of more than $75,000 has no time limit.
  • Credit information reported because of an application for more than $150,000 worth of credit or life insurance has no time limit.
  • Information about a lawsuit or an unpaid judgment against me can be reported for seven years or until the statute of limitations runs out, whichever is longer. Criminal convictions can be reported without any time limit.

Adding Accounts to MY File

My credit file may not reflect all my credit accounts. Although most national department store and all-purpose bank credit card accounts will be included in my file, not all creditors supply information to CRAs: Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't. If I've been told I was denied credit because of an "insufficient credit file" or "no credit file" and I have accounts with creditors that don't appear in my credit file, ask the CRA to add this information to future reports. Although they are not required to do so, many CRAs will add verifiable accounts for a fee. I should, however, understand that if these creditors do not report to the CRA on a regular basis, these added items will not be updated in my file.

Free Credit Dispute Form Credit Report Disputes Experian Trans Union Equifax How to Free credit dispute form letter and forms. Dispute your bad credit reports free. Dispute collections and credit errors by letter free at Equifax, TransUnion and Experian Credit Bureau CRA.

how to dispute an account that is not mine? dispute letters for deletion. credit dispute letter. dispute credit report

3 credit bureau dispute form. Equifax dispute form. Experian dispute form. TransUnion dispute form. how do I write a letter to dispute my credit

letters to dispute bankruptcy in credit report. sample letter or deleting duplicate accounts on credit report

where do I mail my credit disputes? fix credit score dispute. credit dispute letter form. dispute a credit report

  • Free Credit Dispute or credit report dispute form letter to legally dispute errors at TransUnion Equifax Experian
  • where to send certified credit bureau dispute, credit dispute

    Free Credit Dispute or credit report dispute form letter to legally dispute errors at Transunion Equifax Experian

    dispute letters

    Dispute letters

    Dispute letters

    Dispute letters

    Current Phone Number

    The Credit Bureau

    City, State 12345

    This letter is a formal complaint that you are reporting inaccurate credit information.

    I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a <insert credit type for which you were denied here>, which was highly embarrassing and has negatively impacted my lifestyle.

    (optional) With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

    The following information therefore needs to be verified and deleted from the report as soon as possible:

    Please delete the above information as quickly as possible.

    Why Dispute Letter Templates Are Bad For Credit Repair

    There are many websites out there offering your Free Credit Repair Dispute Letter Templates. Websites that take your information, or give you (nearly) useless form letters that can do more harm than good. Websites like MyFico.com are giving Free Dispute Templates. But why are the Credit Bureaus making it easy for you to dispute items? Why are they helping you to remove negative items? Why do they ask you to do credit disputes online and not work with a credit repair company?&#8230; Because it saves them Money, Time, Effort, and Legal Fees. When you dispute online, you&#8217;re giving up your legal rights under the FCRA. So, Don&#8217;t Dispute Negative Items Online. Make it hard for the banks and the credit bureaus, don&#8217;t allow them to have the easy way out. The Fair Credit Reporting Act was made for consumers to fight back against Banks, Creditors and Credit Bureaus.

    There are pro&#8217;s and con&#8217;s to everything, so let&#8217;s list out the cons here&#8230;

    When you send a dispute letter to the credit bureaus in the mail, it goes to a processing center. The mail is opened by a machine that reads and interprets your dispute letter. This machine is a high tech computer doing a process called OCR &#8211; Optical Character Recognition. It will overlook dispute letters that are form letters. It knows what letters to throw out and which ones to keep and place an importance on.

    Credit Bureaus Don&#8217;t Give Your Disputes The Proper Attention

    Credit Repair Dispute Letter Templates, since they are typically overlooked by the credit bureaus, are not given the proper attention. If your form letter is customized enough to make it past the Credit Bureau&#8217;s Computer System, it will still probably never be touched by a human. The Bureaus take your dispute letter and make a 3 digit code for your dispute reason. Why is this important? When you write a paragraph about why you are disputing an account, you can&#8217;t sum that up into 3 digits&#8230; Right?

    Dispute letters

    When Credit Bureaus receive a form letter from you, they will often respond with a letter saying &#8220;We Don&#8217;t Honor Your Suspicious Request,&#8221; or &#8220;We have been notified of fraud on your credit profile.&#8221; They may ask for better identification documents when you gave them everything, and even worse&#8230;

    Credit Bureaus have been known to block your future disputes if you send a &#8220;suspicious request.&#8221; This means that it will make is a lot harder for you to fulfill future disputes with them. This can cause a lot of stress, lost time and frustration.

    We are going to show you the options you have when it comes to how you are going to create the dispute letters.

    Since we are a group of passionate credit repair professionals, I&#8217;d highly recommend scheduling a free credit audit and consultation with one of our Advisers. You can call us toll free at 1-800-216-2725 or visit our website BetterCreditGuaranteed.com Credit Repair Companies have a bad name, so always check to make sure your company has good reviews. Lexing&#8230;. Oh, I can&#8217;t say their name on here. Just don&#8217;t work with a &#8220;Law Firm&#8221; that rhymes with Hexington.

    Handwrite Your Dispute Letters To the Credit Bureaus. Hand write your envelopes too. Make sure that you are specific about why you are disputing your accounts and NEVER say &#8220;This account isn&#8217;t mine&#8221; unless it&#8217;s the truth.

    We&#8217;d be happy to schedule a consultation with you to answer all your questions!

    Complaint and dispute letter about a bill, invoice, withdrawal

    [Subject: Normally bold, summarizes the intention of the letter] -Optional-

    Dear [Recipients Name],

    I write in response to your letter of March 12. In this letter, you send a bill for $500 for a loan that I had taken out with Halifax Corporation. I should point out that I no longer have a loan with yourselves as it was repaid in full on February 13. You will see attached a copy of the final payment confirmation assigned by an employee of your corporation. Additionally, I have also attached a copy of the loan agreement for your perusal.

    [Senders Title] -Optional-

    [Enclosures: number] - Optional -

    cc: [Name of copy recipient] - Optional -

    Complaint and dispute letter about a bill, invoice, withdrawal.

    Further things to consider when writing complaint letters to customer service

    Dispute letters

    Complaint letters are letters written to a certain authority to address an unacceptable or unsatisfactory behavior or situation. They are used to address any offense, wrongdoing, grievance, or resentment arising out of products or services. Basically, complaint letters are used to raise concerns about unfair doings and seek a productive outcome. Some of the most common mistakes people complain about include defective or incomplete order, abnormal delays in sending consignments, mistakes in bills or reminders for payment, dispatching products of wrong quality, or even a neighbor's misconduct.

    Letters to customer service are letters sent to the person in charge of offering assistance and advice to customers or clients in a company. The recipient of these letters could be the customer service manager or any other person in the customer service department. There are many types of letters written to the customer service. The most common ones include inquiry letters to inquire information about products and services, complaint letters to file a complaint, and thank-you letters to thank a company for quality services. For any reason you may want to write to customer service, your letter must be formal.

    Using the Fair Credit Reporting Act, Step One: How to Write a Dispute Letter

    Writing FCRA Dispute Letters

    The Fair Credit Reporting Act requires that a consumer request “reinvestigation” of disputed items before he/she can sue an entity that has provided (“furnished” in the terms of the FCRA) inaccurate data to a consumer reporting agency. This letter acts as a type of &#8220;last chance&#8221; letter, giving both the credit report furnishers and the CRAs the ability to stop doing what they are doing and fix the problem. Throughout this post we will use the term “furnisher” to refer to the banks, credit companies, and all others who provide credit reporting agencies with your credit history, performance, and information.

    While the FCRA and a number of other statutes require companies to respond and take certain steps when faced with a consumer dispute letter, there is only one letter that counts for purposes of the FCRA: A letter to the credit reporting agency that is reporting the inaccurate information. The FCRA requires that the consumer draft a dispute letter directly to the credit reporting agency – not the furnisher &#8212; as a condition of being able to sue under the statute.

    While the credit bureau can be held liable without first receiving a dispute letter, under some circumstances, not so with the furnisher. Unless the consumer has written to the credit reporting agency, there is simply no claim under the FCRA against the creditor. If the letter is written to the bureau, both may be held liable. This may not make sense, but it is the law.

    Many attorneys and consumers have not written these letters and will not know how to. A knowledgeable and experienced consumer attorney who is familiar with underlying the reinvestigation process can assist by drafting the letters for you to sign.

    We will now dive into this process in detail. Pay attention, read carefully, and refer back to these steps, bearing in mind that you may need to look back at these steps a few months down the line if you are perhaps responding to correspondence from a credit reporting agency. This is not just a list of the “top ten list. Many of these suggestions arise out of cases where consumers have either lost their case or successfully beaten back attempts by credit bureaus to dismiss their case.

    What follows is a, accurate, carefully laid out path you can use to stand up for your rights as a consumer, as provided for by the Fair Credit Reporting Act.

    1. The Reason to Write a Dispute Letter

    Under the Fair Credit Reporting Act, you have an opportunity to dispute any information in your credit file which you believe to be inaccurate. By submitting your dispute to the credit reporting agency, you put the bureau on notice that they are publishing inaccurate information and give them the opportunity to stop. Secondly, by writing your dispute letter you begin the process of perfecting your rights under the Fair Credit Reporting Act. We want to provide enough information that, if your case ever goes to trial and your correspondence is submitted as evidence, it would cause a reasonable juror to scratch his/her head at why this was not removed.

    2. What Form of Dispute to Make

    The disputes that you submit to the credit reporting agencies are important for any number of reasons, not the least of which is that these reinvestigations may become the subject of a lawsuit if you are unsuccessful in resolving the matter informally. As such, these reinvestigations should be treated with care and be in a written form so that there is a document trail establishing your efforts to clear up any problems with your credit history. In other words, treat reinvestigations as though they will become evidence: Write them neatly, with a polite but firm tone. “Just the facts, ma’am.” Do not include a long story, resort to foul language, or start name-calling. Include any relevant documents or information that you have available. Send the letters by certified mail, return receipt requested.

    3. Submitting a Dispute by Telephone

    Even though the credit reporting agencies offer consumers the opportunity to submit disputes by telephone, telephone investigations present a number of difficulties. In some cases, credit bureaus may deny that any request for investigation occurred at all. Similarly, telephone disputes do not allow you to easily make a record of what was disputed or the evidence that was offered to the agency. Additionally, telephone disputes do not provide any opportunity to submit documents that are relevant to the dispute. While these disputes present problems, they may be used as a means of following up on a prior dispute, or finding out why a previous dispute was rejected. If you decide in favor of having disputing an entry by phone, make sure to do this in a way that preserves the evidence of the call, such as recording, making notes, and keeping a call log. Check your state for laws covering the recording of phone calls or consult a local attorney to find out if this is legal.

    4. Submitting a Dispute Electronically

    Electronic disputes suffer from some of the same problems that telephone disputes do, but have additional problems. In specific, many of the credit reporting agencies require consumers to navigate through a number of pop-up boxes before being able to take action on their credit file. These pop-up boxes can, and often do, contain waivers of your rights including your right to sue in a court with a jury. You may not be given an opportunity to keep copies of these waivers, and you may not even read them before consenting. Since you cannot proceed with the electronic dispute without agreeing to these waivers, you should not begin this process. Again, written disputes, sent certified mail to the address specified by the credit reporting agency is the preferred means.

    5. Keep Copies at Every Step

    Do not rely on the credit reporting agencies to keep copies of your disputes. (They do not even keep copies of the reports that they publish about you.) Often enough, these disputes are misplaced and never acted upon by the bureaus. Your dispute should be sent certified mail, return receipt requested. Additionally, the bureaus may only keep records for two years, and the history of your dispute may extend over five or ten years. You should make a complete photocopy of the dispute in the exact form that it was sent to the bureaus, signature and exhibits included. This copy should be stored in a safe place so that it can be easily retrieved if you have to refer to it again or need it for evidence. Better yet, scan copies and keep them safe on your computer and a backup site.

    6. Understand Your Audience

    Your initial audience includes the individuals opening your letter, likely “boiler room operators”, staring at computer screens, insulated from any real access to data about the dispute they are handling. But again, your audience will most likely later include the Judge and Jury, as well as opposing counsel. Remember at all times: You are drafting may ultimately become a trial exhibit. So, make the letter plain, clear, and easy to understand. It must be absolutely accurate.

    7. Send the Dispute to the Relevant CRAs and the Furnisher

    If the only thing that a consumer does is to write a letter to a furnisher of credit data, then that consumer will have no claim at all against that creditor. While the FCRA requires that furnishers respond to direct disputes and conduct investigations of the dispute, the Act clearly provides that there is no private right of action for failures to do so.

    In order to trigger an enforceable duty, the consumer must direct his dispute to the CRA. Once the CRA has received the dispute, it will forward a summary of the dispute to the furnisher, which will trigger an enforceable duty on the part of that furnisher to conduct an investigation.

    While sending a letter to the Furnisher will not trigger an enforceable statutory duty, there are other important reasons to send the letter to the furnisher. First, the furnisher does have a duty to conduct an investigation using all materials that are reasonably available to it. This can mean a dispute letter that has been copied to it by the consume can provide a better chance of holding that responsible if they do not correct their actions. More importantly, if the letter to the furnisher contains information which no reasonable person could have ignored, that letter may improve your chances of getting the item corrected.

    In short, you should direct your dispute letter to the CRA in order to trigger the private right of action, but you should also prepare a cover letter and copy for the furnisher to improve your ability to recover.

    8. Make your Dispute Detailed

    Your dispute should contain enough facts and details to support the credibility of your dispute. The more details you provide, the more credible your dispute will appear. Remember that the details should relate directly to things that will undercut the furnisher&#8217;s liability, not side issues that distract. Details like names, phone numbers, e-mail addresses and contact information add to the credibility and duty of the CRA, as can exhibits.

    9. Turn the Dispute into Legally Admissible Evidence as a Declaration or an Affidavit

    One of the best ways to bolster the credibility of your dispute and ensure its admissibility is to sign the letter under penalty of perjury as a declaration. Unlike affidavits, declarations do not need a caption, a case number, or a notary. While a declaration does not require any of the legal trappings of an affidavit, it has the same legal force when submitted in federal court. In addition to these benefits, the fact that your client has submitted a declaration in connection with a dispute provides a legal evidence in support of their dispute. For almost all relevant purposes, a declaration is as good as an affidavit.

    10. Include Relevant Documents

    Include documentation that supports your dispute. If you are reporting an identity theft, you should be sure to include any information, affidavits or police reports relating the theft. If you have been a victim of a mixed file, you should include copies of whatever reports you have showing the problem, which may include subscriber copies of reports, tri-merges, or consumer disclosures. If you have won a court case about the dispute, include those papers as well. The important point is, if you have documents to show that you are telling the truth, include them with the dispute letter. Whatever documents you include, be sure to mention the enclosures by name in the body of your letter; bureaus are notorious for losing these documents and claiming they were never sent.

    11. Provide Exemplars and Notaries where Appropriate

    In those cases where someone has forged your signature, be sure to include exemplars of your own signature, along with a notary signature where appropriate. Notarization is an attestation that the document actually comes from the individual who signed the document. The fact that the document is notarized, is itself proof of the identity of the individual who signed. Providing these pieces of evidence will invite the CRA to perform a comparison on its own. As always, call out any attachments by name in the correspondence so the CRAs cannot claim not to have received them. (which happens often) And keep copies of anything you send!

    12. Demand that All Information be Forwarded

    The FCRA provides consumers with certain rights to information from both credit bureaus, and companies that provide information to those credit bureaus. When disputing information directly to company that has opened an account related to an identity theft, the consumer is entitled to receive copies of all the account documents and billing statements related to that account. Similarly, when disputing to a credit bureau, the consumer may request information about the process that was used to verify any account information. This provision applies all disputes to bureaus, not just those relating to identity theft.

    13. Invite Further Correspondence and Provide Preferred Contact Information

    Include relevant contact information, including a cell phone number and e-mail address. Let the bureau know that you are willing to help or provide more information that may be necessary. Make yourself easy to get a hold of. Remember, if you are seeking fast results, it is best to provide the recipients with the ability to contact you quickly and conveniently. While some creditors do not interact with customers over the internet, many have e-mail capabilities. You should invite their use and advise the recipient that you can transmit and receive documents by this means if you have that capability.

    14. Respond to Correspondence Appropriately

    Be sure to carefully review and respond to any correspondence returned by the agency. In many cases, the bureaus respond to disputes by either refusing to investigate or by demanding that you take additional steps that may be self-contradictory. If the agency&#8217;s response is confusing or self-contradictory, be sure to point that out in your response and ask for clarification of what they are seeking or need. Again, send your correspondence certified mail, return receipt requested, and keep copies of what you send.

    At the conclusion of the reinvestigation process (and sometimes during that process) the credit reporting agencies may notify you how it is that they conducted the reinvestigation. Frequently, those notices will explain that the information provided could not be used, or that there was not enough information provided by you. If your reinvestigation request is denied for any reason, you should immediately follow up with the bureau and request an explanation of why this was so. If the materials you submitted were rejected, ask why. If the results do not make sense, explain why they don’t make sense to you and ask that the process be done again. Remember, commons sense rules the day, and you are free to point this out, forcefully but respectfully.

    15. Refer to Prior Disputes by Date

    In many instances, items that you are disputing have been disputed previously, and possibly removed previously. If this is the case, then make sure that you include a reference to the prior reinvestigations and results. If the item was removed, incorporate the information that you included previously. If the item was not removed in the previous dispute, summarize that information again and provide whatever additional information you may have assembled.

    16. Refer to Prior Account Numbers When Available

    In many instances, furnishers of credit data will change account numbers of accounts held by consumers. These changes can play havoc with the consumer&#8217;s ability to track their own credit file. For instance, when a credit card account is compromised by fraud, the credit card company will typically close that account, open an new account and transfer all account charges to the new account. At the same time, debt collectors who buy accounts typically assign each account a new account number when that account is received and loaded into its systems. When any of these things happen, the consumer may no longer recognize his or her own account. By the same token, if an account has reappeared on a consumer report, many times the consumer reporting agencies do not correlate accounts according to their prior account numbers. Consequently, consumers may have to re-dispute these items. In cases where the consumer knows the prior account numbers used to identify a disputed debt, you should include these account numbers in your dispute along with the name of the company that gave the account that number.

    17. Ask for Specific Actions

    The Fair Credit Reporting act provides for several informal remedies to consumers as part of the dispute process. These remedies can include:

    ✓ Placing a fraud alert on the consumer&#8217;s file.

    ✓ Freezing or blocking access to the file for instant credit checks.

    ✓ Blocking fraud accounts if the consumer has provided a police report or a fraud affidavit.

    ✓ Requiring the consumer reporting agency to explain its processes.

    ✓ Requiring the consumer reporting agency to provide updated copies of reports to users.

    ✓ Requiring the furnisher of information that has been disputed as a fraud to turn over account documents.

    So, when you draft your dispute, be sure to include appropriate requests for help. These requests, while often ignored by the CRA, can help to establish that the bureaus have thrown roadblocks into your path, whereas your requests would have helped to remedy the situation.

    18. You Sign the Letter, not the Attorney

    You should sign your own dispute letter, instead of an attorney who may have drafted the letter for you. Attorneys who sign and mail their client&#8217;s dispute letter run the risk of becoming a necessary, material witness in their client&#8217;s case. A smart attorney knows in this case never to sign a dispute letter on their client&#8217;s behalf.

    19. Include Identification

    The Credit Reporting Agencies have, of late, begun demanding an excessive amount of identification from consumers before providing disclosures. They have also begun demanding that this identification be provided before investigating disputes in some instance. If this happens, your dispute can be delayed by several months. You can head off these problems by including identification in your dispute or request for a report. You should include at least one form of photo identification and a current bank or utility bill. When you send the letter, be sure to keep a copy of all enclosures, and as we’ve said, name the attachments in your letter as further proof you&#8217;ve sent them.

    If you&#8217;ve made it this far, wonderful. You are on your way to asserting your rights under the Fair Credit Reporting Act. Bookmark this blog post and refer back to it when needed, or share it with a friend or family member who needs the information. If you find this blog post helpful, Like us on Facebook.

    Below you will find a few resources to help along the way. Thanks for reading. See you again soon!

  • Like this post? Please share to your friends: