Real language. Specific citations. The kind of letter credit reporting agencies are legally required to respond to — with your name and account filled in.
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VIA CERTIFIED MAIL — RETURN RECEIPT REQUESTED
[DATE]
Consumer Dispute Department
[EQUIFAX / EXPERIAN / TRANSUNION]
[Credit Reporting Agency Address]
RE: Formal Dispute and Demand for Reinvestigation Pursuant to 15 U.S.C. § 1681i
Account: [CREDITOR NAME] — Account No. [LAST 4 DIGITS]
To Whom It May Concern:
I am writing pursuant to the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681 et seq., to formally dispute the accuracy of information currently appearing on my consumer credit file maintained by your agency. I have reviewed my credit report and identified the item(s) detailed below as inaccurate, incomplete, or unverifiable.
Disputed Item
Creditor/Furnisher: [CREDITOR NAME]
Account Number: [ACCOUNT NUMBER — LAST 4]
Reported Status: [e.g., "90 days past due" / "Collection account" / "Charge-off"]
Basis for Dispute: [e.g., "This account does not belong to me." / "This account was paid in full on [DATE] and should reflect a $0 balance." / "This derogatory item is past the 7-year FCRA reporting limit and must be removed."]
Legal Basis and Demand for Action
Under FCRA § 611 (15 U.S.C. § 1681i), upon receipt of this dispute, you are required to:
1. Conduct a reasonable reinvestigation of the disputed information within 30 days of receiving this written dispute (or 45 days if the consumer provides additional relevant information during the reinvestigation period);
2. Forward all relevant information I have submitted to the furnisher of the disputed information;
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