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Suspicious Letter - Response

The client received letters from TransUnion, Experian, and Equifax claiming a request for their credit reports was suspicious. The client responds that the request was legitimate and made by the client, and that refusing to correct errors on the credit report would be illegal. The client threatens to report the credit bureaus to the CFPB if they do not comply with the law and provide updated credit reports within 30 days.

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Shannon
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72 views3 pages

Suspicious Letter - Response

The client received letters from TransUnion, Experian, and Equifax claiming a request for their credit reports was suspicious. The client responds that the request was legitimate and made by the client, and that refusing to correct errors on the credit report would be illegal. The client threatens to report the credit bureaus to the CFPB if they do not comply with the law and provide updated credit reports within 30 days.

Uploaded by

Shannon
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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TransUnion August 11, 2014

PO Box 1000
Chester, PA 19016

Client Name
1234 Street Dr.
City, ST 99999
SS #: 123-45-6789

Dear TransUnion,

I’ve received your ridiculous letter claiming you received a suspicious request and other nonsense.

This request you received was from me, mailed by me, and is not suspicious, deceptive or fraudulent.  It
was a request that the FCRA entitles me to make and for you to claim otherwise is a violation of law and an
incompetent stall tactic to avoid correcting these errors on my credit report as you are required to do
according to the law.

If you refuse to "process" or "respond" as you claim in your correspondence, I will have no choice but to
report your illegal behavior to the CFPB.  Now, I’ve included my previous letter so please, correct these
errors on my credit report and present to me the clean updated report as required by law.  I will be
expecting the results and your compliance within 30 days.

Sincerely,

Client Name
Experian August 11, 2014
PO Box 2002
Allen, TX 75013

Client Name
1234 Street Dr.
City, ST 99999
SS #: 123-45-6789

Dear Experian,

I’ve received your ridiculous letter claiming you received a suspicious request and other nonsense.

This request you received was from me, mailed by me, and is not suspicious, deceptive or fraudulent.  It
was a request that the FCRA entitles me to make and for you to claim otherwise is a violation of law and an
incompetent stall tactic to avoid correcting these errors on my credit report as you are required to do
according to the law.

If you refuse to "process" or "respond" as you claim in your correspondence, I will have no choice but to
report your illegal behavior to the CFPB.  Now, I’ve included my previous letter so please, correct these
errors on my credit report and present to me the clean updated report as required by law.  I will be
expecting the results and your compliance within 30 days.

Sincerely,

Client Name
Equifax August 11, 2014
PO Box 740241
Atlanta, GA 30374

Client Name
1234 Street Dr.
City, ST 99999
SS #: 123-45-6789

Dear Equifax,

I’ve received your ridiculous letter claiming you received a suspicious request and other nonsense.

This request you received was from me, mailed by me, and is not suspicious, deceptive or fraudulent.  It
was a request that the FCRA entitles me to make and for you to claim otherwise is a violation of law and an
incompetent stall tactic to avoid correcting these errors on my credit report as you are required to do
according to the law.

If you refuse to "process" or "respond" as you claim in your correspondence, I will have no choice but to
report your illegal behavior to the CFPB.  Now, I’ve included my previous letter so please, correct these
errors on my credit report and present to me the clean updated report as required by law.  I will be
expecting the results and your compliance within 30 days.

Sincerely,

Client Name

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