This credit repair sample letter can be used when you have previously
disputed an entry on your report. It is a follow up to a previous
contact you made with one of the bureaus.
No more Mr. (or Ms.) nice you. From this correspondence forward, you need to be increasingly threatening.
[Your City, State ZIP]
[Select One Bureau: ]
P. O. Box 740241
Atlanta, GA 30374-0241
P. O.Box 1000
Chester, PA 19022
Santa Ana, CA 92705
RE: Dispute Letter of [Date you sent your initial or subsequent requests]
Dear Credit Bureau,
Consider this a formal notice of your failure to respond to my previous letter(s) dated: [date]. This letter was sent to you through registered mail. In addition, I have enclosed a copy of the return receipt which was signed by a member of your organization on [date].
As you know, you are required to respond within 30 days according to Federal law. It is now over 30 days since you received my letter. Based on your failure to respond according to the Federal regulations, your credit reporting agency is in violation of the Fair Credit Reporting Act thus may be subject to investigation by the FTC.
As you can see, I am keeping Obviously, I am maintaining complete records of all my correspondence and dealings with you.
I am aware that due to the large amount of requests you receive that you may have misplaced my previous letter[s] or have failed to respond to my letter due to a large workload. If this is indeed the case, I am sure you will handle this issue as soon as possible. In that case, I have included a copies of:
Please verify the following information and delete it from my record as soon as possible:
[Name of Creditor]
Again, please delete this incorrect item from my credit report as soon as possible.
[Social Security number]
With this credit repair sample letter, remember to provide copies of your initial letter and documentation!
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