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604 Dispute Letter 2

This is a second written request from an individual to a credit reporting agency to verify or remove several accounts from their credit report that remain unverified. The letter cites the Fair Credit Reporting Act and demands that the agency provide physical documentation from the original creditors to verify the accounts, as required by law. Failure to comply could result in litigation to enforce the consumer's rights under the FCRA.

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3K views2 pages

604 Dispute Letter 2

This is a second written request from an individual to a credit reporting agency to verify or remove several accounts from their credit report that remain unverified. The letter cites the Fair Credit Reporting Act and demands that the agency provide physical documentation from the original creditors to verify the accounts, as required by law. Failure to comply could result in litigation to enforce the consumer's rights under the FCRA.

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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Current Date

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

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on
my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the
original creditor’s documentation on file to verify that this information is mine and is correct. In the
results of your first investigation, you stated in writing that you “verified” that these items are being
“reported correctly”?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A)
& Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of
the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is
very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section
617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter
to enforce my rights under the FCRA

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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