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Credit Reports
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-Sample Dispute Letter
Sample Follow-up Dispute Letter
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SAMPLE FOLLOW-UP DISPUTE LETTER
If you receive no response to your initial dispute
letter, you will have to write a follow-up dispute
letter. Below is a sample follow-up dispute letter that
should be used for reference.
-----------the letter starts below this
line-------------------
Today's Date
Name of Credit Agency Reporting the Error (Trans Union,
Equifax, Experian)
Address of Credit Agency
To Whom It May Concern:
I recently sent your agency an appeal on (fill in this
date) to investigate inaccurate information being
reported on my credit report. The copy of the original
letter sent as well as the proof of receipt by your
company is also included.
In accordance with the Fair Credit Reporting Act, 15 USC
section 1681i, your company is obligated to finish your reinvestigation within 30 days of receipt of my original
request. The 30-day period has expired and I have yet to
receive any sort of response from your agency. I believe
that no response has been received because your agency
is not able to confirm the validity of the information I
believe is inaccurate.
Therefore I request that all of the attached
misinformation listed in my credit file be removed
immediately. I also request that you send me an updated,
corrected credit report to me and to all of other
parties that have requested my credit file in the last
six months.
This letter, and copies of the enclosed attachments, are
also being sent to to the Federal Trade Commission.
Regards,
(sign your name here)
(type your full, legal name)
(address)
(home number)
(work number)
(social security number)
cc: Federal Trade Commission, Consumer Response Center,
600 Pennsylvania Ave, NW, Washington, DC 20580
If you need assistance with your follow-up dispute letter. Please
contact us.
Click to see another
sample dispute letter.
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