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FCRA Section 609 Letter

The document is a formal complaint letter disputing inaccurate and incomplete credit information reported by the recipient, citing the Fair Credit Reporting Act requirement to verify accounts with original signed contracts. It demands verification or removal of a specific disputed account and requests the removal of non-account inquiries over 30 days old and a promotional suppression be added to the credit file. The letter notes the recipient has 30 days to complete the re-investigation and 15 days to provide the procedures used.

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duvard purdue
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377 views1 page

FCRA Section 609 Letter

The document is a formal complaint letter disputing inaccurate and incomplete credit information reported by the recipient, citing the Fair Credit Reporting Act requirement to verify accounts with original signed contracts. It demands verification or removal of a specific disputed account and requests the removal of non-account inquiries over 30 days old and a promotional suppression be added to the credit file. The letter notes the recipient has 30 days to complete the re-investigation and 15 days to provide the procedures used.

Uploaded by

duvard purdue
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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Name

Address
SSN
DOB

Date

To Whom It May Concern,

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
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 that 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 (i.e.: an original consumer contract with my signature on it) that you
have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,
unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable
proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately:

(Explain what your disputing and why)

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a
promotional suppression to my credit file.

Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the
description of the procedure used to determine the accuracy and completeness of the information is
hereby requested as well, to be provided within fifteen (15) days of the completion of your re-
investigation.

Thank you,

Name

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