Certified Mail #__________________________________________________
To Whom It May Concern,
On _______________________, I wrote to tell you that I
had not heard about any specific action taken by you to
re-verify the items I had identified in my credit report
as inaccurate, outdated or incomplete. Please acknowledge
receipt of the attached copies of my correspondence for
your review.
Since you have not given me names of persons you contacted
for re-verification of the information, nor have you complied
within the statutory time period (30 days) to my request
for re-verification, I assume that you have not been able
to re-verify the information I have disputed. Therefore,
you must comply with the Fair Credit Reporting Act and
delete the disputed items from my credit report.
I demand that you send me a copy of my updated credit
report showing the elimination of the items disputed by
me in the attached letters. According to the USC section
1681j, this copy must be provided at no cost to me. Additionally,
I demand that it be postmarked within five days after
signing the certified mail receipt you are holding.
Your failure to provide me with an updated copy of my
credit report with the disputed items deleted will prompt
me to pursue my legal rights under 15USC Section 1681n
or 1681o of the Fair Credit Reporting act, “Civil
liability for willful noncompliance”. Your credit
bureau may be liable for:
1) Any actual damages I sustain due to your failure
to delete the items 2) Punitive damages as the court may
allow
3) Cost of the court action, plus attorneys fees
A copy of this letter has been sent to the Federal Trade
Commission, the Subcommittee on Banking, Credit and Insurance,
and the Department of Business and Professional Regulations
(Division of Consumer Complaints.)
Full Name: _______________________________________________
Social Security Number: _____________--________--__________________
Date of Birth: _______________________________________
Current Address: ____________________________________________________________
____________________________________________________________
Previous Address: ___________________________________________________________
___________________________________________________________
Sincerely,
_________________________________________
Signature
Date:_____________________________________
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