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604 Dispute Letter 1

The letter requests that the credit reporting agency (CRA) verify certain accounts listed on the recipient's credit report by providing the original signed consumer contracts, as required by the Fair Credit Reporting Act. It notes fraudulent accounts could be reported without verification. The letter demands verification or removal of specific accounts listed, in order to remove inaccuracies hurting the recipient's ability to obtain credit. Removal is required under the FCRA for unverified accounts.

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Running Wolf
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17K views2 pages

604 Dispute Letter 1

The letter requests that the credit reporting agency (CRA) verify certain accounts listed on the recipient's credit report by providing the original signed consumer contracts, as required by the Fair Credit Reporting Act. It notes fraudulent accounts could be reported without verification. The letter demands verification or removal of specific accounts listed, in order to remove inaccuracies hurting the recipient's ability to obtain credit. Removal is required under the FCRA for unverified accounts.

Uploaded by

Running Wolf
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Here is letter 1

Current Date
Your Name
Address
City, State, Zip Code
SSN: ###-###-###
DL #: ###########
D.O.B.: ##/##/####

CRA NAME
Address
City, State, Zip Code

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to
verify -through the physical verification of the original signed consumer contract -any and all accounts
you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or
email in a fraudulent account.
I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on
file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to
obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide
me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account
Account Number
Provide Physical Verification Creditor
Thank you for your prompt assistance in this matter.

Sincerely,

Your Name

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