Credit Repair 30

Your Resource For Better Credit

609 Dispute Letter Template 1

Send this letter first.

Date:

Full Legal Name:
Street Address:
City, State, ZIP Code:

Social Security Number:
Date of Birth:

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA.

Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below.

Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

NOTE: Please don’t respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

I demand the following accounts be properly verified or removed immediately:

[List All Negative Accounts & Account Numbers]

[Your Signature]

[Attach clear copies of your Photo ID, Social Security Card, and Proof of Address.]

[Send to each credit bureau with USPS certified mail, return receipt requested.]

609 Dispute Letter Template 2

Send this letter after you receive the results of Dispute 1.

Date:

Full Legal Name:
Street Address:
City, State, ZIP Code:

Social Security Number:
Date of Birth:

This is a formal announcement, please be advised that this is my SECOND WRITTEN REQUEST requesting you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. § 1681.

As you are aware, you are required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. You recently replied and said in the results of your first re-investigation, that you “verified” that these items are being “reported correctly”.

However, you did not supply to me the verification documents.

I, hereby, am formally requesting the following:

1) Where are the documents that you used to verify these accounts?
2) What is the name of the person in your company who verified these accounts?
3) What documents did they use to verify them?
4) Please provide me with the name of that individual, their business address, and telephone number.

Black’s Law Dictionary, defines “Verify” as:

1) “To prove to be true; to confirm or establish the truth or truthfulness of; to authenticate.”
2) “To confirm or substantiate by oath or affidavit; to swear to the truth of.”

And, “Verification” as, “Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.”

What this means in your language is that your company must be willing, but most importantly, able to produce a document in your files that proves the account(s) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law, should I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts, and to do this they must have 1st hand knowledge of the alleged account(s), and all that has ever transpired for the alleged account(s), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, “Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.”

The Courts have also ordered that a “Reinvestigation” that merely shifts the burden back to the consumer and the credit grantor cannot fulfill the obligations imposed by § 1681(a)(4) of the FCRA.

You have elected to ignore my previous request to provide me with the documents that you have in your files that you used to verify the disputed accounts, which means that you have NOT verified, or you cannot verify, any of these accounts and under Section 611 (5)(A) of the FCRA. Therefore, you are required to promptly DELETE all inaccurate information which cannot be verified through this process.

The law is very clear as to the Civil liability, and the remedy available to me for “negligent noncompliance” (Section 617), if you fail to comply with this Federal Law.

I am a consumer that will fight back, and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately:

[List All Negative Accounts & Account Numbers]

[Your Signature]

[Attach clear copies of your Photo ID, Social Security Card, and Proof of Address.]

[Send to each credit bureau with USPS certified mail, return receipt requested.]

609 Dispute Letter Template 3

Send this letter after you receive the results of Dispute 2.

Date:

Full Legal Name:
Street Address:
City, State, ZIP Code:

Social Security Number:
Date of Birth:

Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING.

I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance.

Despite my previous two (2) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cannot, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you cannot verify after two written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you don’t have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law, and the Court will order you to delete them.

You say that you have reinvestigated, and/or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is “parroted” information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of § 1681(a)(4) of the FCRA.

In my previous formal request and correspondence, I asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you also ignored this request, which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 (5)(A) of the FCRA, you are required to “promptly DELETE all information which cannot be verified.” I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617), if you fail to comply with this Federal Law.

I will repeat myself, and state that I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted:

[List All Negative Accounts & Account Numbers]

[Your Signature]

[Attach clear copies of your Photo ID, Social Security Card, and Proof of Address.]

[Send to each credit bureau with USPS certified mail, return receipt requested.]

609 Dispute Letter Template 4

Send this letter after you receive the results of Dispute 3.

Date:

Full Legal Name:
Street Address:
City, State, ZIP Code:

Social Security Number:
Date of Birth:

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA (Fair Credit Reporting Act) regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.

Despite my three (3) previous formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

In the results of your re-investigations, you stated in writing that you “verified” that these items are being “reported correctly”? However, you have still not identified who in your company verified the accuracy of these accounts, or how they verified them? Nor have you provided the physical proof of such verification.

Again, Black’s Law Dictionary defines “Verification” as, “Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.”

What this means is that your company must be willing and able to produce a document that proves the account(s) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law.

Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account(s), and all that has ever transpired for the alleged account(s), under oath and under the penalty of perjury.

Your failure to provide me, or my attorneys, with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist, and therefore is proof that you cannot properly “verify” the accuracy of any of the disputed accounts.

Please be advised that under Section 611 (5)(A) of the FCRA, you are required to “promptly DELETE all information which cannot be verified.”

Due to your continued willful disregard of the law, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days of your receipt of this letter. I have attached the tracking number for this parcel.

A copy of this letter, as well as copies of the three previously written letters sent to you by certified mail, with proof of delivery, will be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement.

These laws are very clear as to the Civil liability and the remedy available to me (Section 616 & 617), if you fail to comply with Federal Law and remove these items, or provide me with the physical proof of verification.

As I have repeated in the past communications, I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

In order to avoid legal action I will demand that you delete all of the unverified accounts listed below immediately:

[List All Negative Accounts & Account Numbers]

[Your Signature]

[Attach clear copies of your Photo ID, Social Security Card, and Proof of Address.]

[Send to each credit bureau with USPS certified mail, return receipt requested.]

Credit Bureau Addresses

Equifax
P.O. Box 740256
Atlanta, GA 30374-0256

Experian
P.O. Box 4500
Allen, TX 75013

TransUnion
P.O. Box 2000
Chester, PA 19016-2000

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