To Whom it May Concern
Thanks for purchasing the Dispute Letter Kit 6 Pack.
Please note that these letters are the most commonly used
letters in my approach in assisting clients with attacking
inaccuracies, errors, and outdated items that can’t be verified
on their credit file. These letters are not to be used as legal
advice, and if you need legal advice pertaining to your credit
file, please consult with a licensed attorney in your state.
Please note that these letters do not guarantee deletions.
They are set up to ensure that those who report to your
credit file remain compliant in accordance to the Fair Credit
Reporting Act.
These letters are not to be used in the place of
professional help, but as a tool to understand the flow in
which we dispute as a professional company. Keep in mind
that we use over 350 letters based on the specific situation of
our clients, and one of the letters needed for your specific
case may not be available in this bundle as these were the
most heavily used 6 letters in our dispute process. Thanks
for your agreement to these terms and I truly hope you enjoy
your purchase.
Please note that by unlawfully distributing these letters
without our permission could result in legal action. These
letters are not to be resold at any given time. Your purchase
covers your personal use for them. Redistribution or
unauthorized sharing for personal financial gain could result
in legal actions being taken.
By using these letters, you agree to the terms set forth
in the process.
V/R
Derrick A Harper Sr.
Investigation Request Letter Explanation
(First, Last, M.I.) (Street)
(City, State, Zip)
(Credit Bureau) (Address)
(Bureau City, State, ZIP) (Date)
Investigation Request Letter
Date of Birth: Jan 1, 1982
SS#: XXX-XX-1234 (Enter Only Last 4 of SSN)
To Whom It May Concern:
The goal in the headline of the letter is always to setup a situation where the burden of proof
relies on the consumer reporting agency (Credit Bureau). You do not want to make a specific
claim about a specific account in the first-round investigation request letter. The reasoning for
this is called factual disputing methodology. Making a claim of “Not Mine” or Never had account”
when the account is yours invalidates the claim if it is in fact yours. Write as if you are a
consumer without the fancy jargon in this round to prevent it being misinterpreted as coming
from a credit repair company.
You can’t go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers
“Procedures in case of disputed accuracy. 1681i(a)(1)(A), 1681i(a)(1)(B), and 1681i(a)(1)(C)
covers the general investigation overview, the extension of the period to reinvestigate, and the
limitations on extension of the period to investigate, while 1681i(a)(2) covers the promptness in
how the bureaus must handle the notifications. 1681i(a)(3) covers if and how the bureaus can
determine if a dispute is frivolous or irrelevant, all the way to 1681i(f)(3) where it governs how a
CRA notifies a consumer through a reseller (Credit Karma) (MyFICO) and others who furnish
third party disputes free of charge, etc.
Type of Account:
Bankruptcy: Case Number:
Action Requested: Please provide proof that its reporting correctly from the Court House and
not a third party and delete if anything is incorrect
Collection Account:
Account Number:
Please investigate if every piece of information is correct. If not, please remove it from my credit
report.
Paid Account/Late Payments:
Account Number:
Please investigate if every piece of information is correct on the reported late payment history. If
the late payments are not reporting 100 percent accurate, please remove them from this
account and update the account as “paid as agreed”
I also read where I can get the updated report after you investigate this from the Free Lawyer
guy. Could you please send it to me? Also, please let me know who had access to my file as
well. I want the investigation outcome to be sent to my address I put on the from area.
Thank you for your time and help in this matter. Sincerely,
_____________
(Name)
Investigation Request Letter
(First, Last, M.I.) (Street)
(City, State, Zip)
(Credit Bureau) (Address)
(Bureau City, State, ZIP) (Date)
Investigation Request Letter
Date of Birth: Jan 1, 1982
SS#: XXX-XX-1234 (Enter Only Last 4 of SSN)
To Whom It May Concern:
I received a copy of my credit report with the intention of trying to improve my credit and take
care of my responsibilities and noticed a few accounts that I wanted a little more explanation on.
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure
if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had
rights to challenge anything I am not sure is accurate. Some of the people reporting things on
me, I have never heard of which made me write you all.
Are you familiar with something called 15 U.S.C. Sec. 1681i(a)? I heard that if you can’t provide
proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100
percent right and correct. So, could you please check on these and get back with me? I saw on
a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.
Please investigate the following accounts and remove them if anything is missing or not correct
on them.
Type of Account:
Public Record: Case Number:
Action Requested: Please provide proof that its reporting correctly from the Court House and
not a third party and delete if anything is incorrect
Collection Account:
Account Number:
Please investigate if every piece of information is correct. If not, please remove it from my credit
report.
Paid Account/Late Payments:
Account Number:
Please investigate if every piece of information is correct on the reported late payment history. If
the late payments are not reporting 100 percent accurate, please remove them from this
account and update the account as “paid as agreed”
I also read where I can get the updated report after you investigate this from the Free Lawyer
guy. Could you please send it to me? Also, please let me know who had access to my file as
well. I want the investigation outcome to be sent to my address I put on the from area.
Thank you for your time and help in this matter. Sincerely,
_____________
(Name)
30 Day No Response Letter
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348
Attn.: Consumer Relations Department
To Whom It May Concern,
On (Date), I asked you to investigate items that I believed were reporting not 100 percent
accurate. As of now, I have no notice from you all stating that the accounts are in investigation.
In my previous letter, I listed my reasons for disputing the information. I have enclosed it again
and request that you reply within a reasonable amount of time.
(If you sent the original letter certified and got a read receipt, add this next comment)
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade
Commission notifying them that I have signed receipts for letters sent to you and you have not
complied with my request. I regret that I am having to exercise my rights under law.
Please see my reasons for dispute below:
Type of Account:
Public Record: Case Number:
Action Requested: Please provide proof that its reporting correctly from the Court House and
not a third party and delete if anything is incorrect
Collection Account:
Account Number:
Please investigate if every piece of information is correct. If not, please remove it from my credit
report.
Paid Account/Late Payments:
Account Number:
Please investigate if every piece of information is correct on the reported late payment history. If
the late payments are not reporting 100 percent accurate, please remove them from this
account and update the account as “paid as agreed”
I also read where I can get the updated report after you investigate this from the Free Lawyer
guy. Could you please send it to me? Also, please let me know who had access to my file as
well. I want the investigation outcome to be sent to my address I put on the from area. My
contact information is provided below.
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
Previous address:
123 Easier Street,
New York, New York 10101
Sincerely, John Doe Sr
FOLLOW UP AFTER RECEIVING DISPUTE RESULTS ON REPORT
NOTE!! This letter is to be sent to address the accounts that were not deleted in the
investigation request!! Look and compare all 3 credit reports. Once you point out the
mistakes
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30348
Attn.: Consumer Relations Department
To Whom It May Concern,
I want to start by saying thank you for looking at the items I sent in for investigation. Upon
investigating the accounts, I investigated directly from the source furnishing the data to you to
ensure that everything matches up as well. Upon looking at the history between all 3 credit
bureaus, I wanted to point out the inconsistencies in the reporting in the following accounts.
Account Name: Credit One
Account Number: XXXXX6778
Errors Found (examples): High Credit shows $xx, but no months are showing in the report of
that balance on the reports on TU, but not EQ. The terms differ in months on TU, EX, and EQ
which is not possible on accurate accounts. The open date on each account has different
months on it, which is no possible way the accounts were opened on 3 different days.
Action: Please Delete Immediately
Account Name: Medical Collections USA
Account Number: XXXXX6778
Errors Found (examples): The terms in the collection stated 6 months. I never signed a term
agreement for any medical bill in which the terms can not be 6 months on a dead collections
account. The date of this collection account is wrong as it does not state the original date the
account went into collections.
Action: Please Delete Immediately
I understand the process of the investigation is to reach every individual company to verify the
accuracy in the information. In accordance to FCRA, Section 611 A through D, you are
supposed to let me know who you verified with. In my original investigation request sent (date) I
asked you to delete anything that is not 100 percent accurate.
This is not the time to update since you had time to update after the first letter. Now that I have
pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of
my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion,
Equifax, and Experian all verified the accounts above as accurate, but they all have
inconsistencies in the reporting? In fact, there is no possible way a full investigation could have
been done in accordance to Section 611 due to the inconsistencies coming after my original
request of investigation.
At this point, I demand you delete these accounts immediately, or I have no choice but to seek
counsel to point out the rights that have been violated under the FCRA. Please forward me an
updated credit report after you have completed your deletions and corrections.
Sincerely yours,
LETTER TO THE DEBT COLLECTOR OR DATA FURNISHER
The purpose of this letter is to send as soon as possible to the company furnishing
information to the credit bureaus. You want to check to see if the data they send you
matches the data that the credit bureau is reporting.
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
Medical Collections USA
P.O. Box 740256
Credit, NY 10148
ATTN: Accounting and Credit Reporting Department
To Whom It May Concern,
This letter is to inform you that upon viewing my credit report, I noticed that your company was
listed on it as a derogatory mark of collections. I do not remember ever making an agreement or
a business relationship with you all. As of today, I have no memory of receiving a dunning letter
from you asking if I wanted to dispute the debt in the account. Please accept this letter as my
formal dispute of the account. I am also requesting that you provide proof that I owe this debt
Account Name: Medical Collections USA
Account Number: XXXXX6778
I am hereby instructing you to cease collection of the debt until you resolve this possible
reporting error with the creditor. I am asking that you not contact me nor anyone else except the
original creditor about this collection.
In addition, I want to ensure that you are following the laws under the FDCPA (Fair Debt
Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report
anything else to the bureaus until you have furnished proof to me that the account is valid.
Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to
furnish the following information will result in me not accepting validity and accuracy in the
account. Please furnish: Proof that you are licensed or legally authorized to collect on a debt in
my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your
authority in the collection process (debt buyer, 3rd party, etc). Proof that the original creditor
authorized you to collect on the debt on their behalf. The original creditor’s name. Details on
when the account first went into a delinquent status since that is the date required as OPEN
DATE on the collection account. (Etc etc. Be reasonable in the request)
Please do not contact me until you have collected and sent this information to me by the
address on this letter. You do not have authority to provide this address to the credit bureaus as
an updated address for the account. If you provide these within a reasonable amount of time,
then you may contact me on the phone number (#no) between the hours of ( ) on days ( ).
Please note that any calls outside of these hours to discuss these matters are a direct violation
of my rights. If prior authorization was granted, I hereby revoke any authorization to discuss this
account with any 3rd party such as my work, family, or anyone other than me.
Please acknowledge that you have received this notice by [Pick a date that is two weeks from date
of letter].
Sincerely,
LETTER TO THE DEBT COLLECTOR OR DATA FURNISHER WHO FAILED TO VALIDATE
The purpose of this letter is to send as soon as possible to the company furnishing
information to the credit bureaus once they fail to validate your debt or ignore your letter.
You want to check to see if the data they send you matches the data that the credit
bureau is reporting.
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
Medical Collections USA
P.O. Box 740256
Credit, NY 10148
ATTN: Accounting and Credit Reporting Department
To Whom It May Concern:
I am writing this letter due to a number of actions that you have taken that have completely
disregarded my rights under the FCRA, and FDCPA in which you have a legal duty to comply
to.
You failed to validate a debt at my request, which is a FDCPA violation and you continued to
report a disputed debt to the Credit Bureaus: another FCRA violation. You also failed to provide
me with the dunning letter, or proof of sending the original dunning letter notifying me that you
are reporting me to the credit bureaus within 30 days of sending my account to collections.
Not only have you ignored my prior requests for validation of debt letter will again request that
you follow the FDCPA and please provide the following:
Validation of Debt Request
-Proof that you can collect on a debt in my state
-Proof of the date the account went into delinquency
-Your Bond (if required) in the event I need to seek counsel
-Proof of your right to own/collect this alleged debt
-Balance claimed including all fees, interest and penalties
-Contract bearing my personal signature
As you may be aware, "Estoppel by Silence" legally means that you had a duty to speak but
failed to do so therefore, that must mean you agree with me that this debt is false. I will use the
Estoppel in my defense since I have a track record of you not sending documents back to me.
I expect to receive the proof requested above within 15 days of this letter. Should you again
ignore my request for validation of debt I reserve the right to sue your company for violations of
my consumer rights as specified under both the FDCPA and the FCRA. I may also seek
damages from you if warranted.
The certified tracking number to this letter is __________________
Kind regards,
Bankruptcy Letter to The Bankruptcy Court
John Doe Sr
123 Easy Street
Atlanta, Georgia 30301
US Bankruptcy Court
ADDRESS
City, ST, ZIP
First, I want to say thank you for taking the time out to read this letter. Recently, I have
been on a search for a home and I noticed that on my credit report, it showed that I had a
Bankruptcy reporting. Upon looking into it, I noticed there may be some things reporting
inaccurate in the accounts. Now, I want to be clear. I am not asking you to investigate the
accuracy in the bankruptcy because I know you guys are busy there.
When I investigated, I noticed that your address was on there as the source alongside Lexis
Nexis. I am not sure if Lexis Nexis is getting the information from you then furnishing it to the
bureaus or if they are resellers for you. The information came back as verified as accurate on
the Bankruptcy.
I find it weird that they verified that it was reporting accurate when I am sure it is not showing
accurate at all. The file on my credit report is showing like this:
CH 7 BK or CH 13 BK Dismissed/Discharged
Date filed -
Liability $0
Assets $0
PLEASE DO NOT WRITE ME BACK WITH BANKRUPTCY INFO. I know you are very busy and
do not have time to do that. I only want to find out if they contacted you, when, and what
information was furnished to them from you to show a verified reporting? If not, you can kindly
write me back and let me know if you furnish this type of data to the credit bureaus directly?
Thank you in advance...
