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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.

(sign your name here)

(type your full, legal name)
(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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