Follow up dispute letter to credit bureaus
Q: I got a negative credit card record on all three credit reports that does not belong to me. Sent a dispute letter to the credit bureaus, so they would remove it. Got response from Experian after 3 weeks that they investigated and removed it, but anything has yet to come from TransUnion and Equifax. 42 days have passed since I sent that letter. I need a follow up dispute letter, I found several but do not like them. Can you write up a sample?
A: How many ways can you write a letter on how to follow up with credit bureaus after initial dispute letter goes unanswered for more than 30 days? Why are you waiting for almost 2 weeks? Below is the follow up dispute letter that you should send to TransUnion and Equifax credit bureaus but do it quick, stop wasting time.
Date {MM/DD/YYYY}
Your name
Your address
Phone/fax/email
Social Security Number
Credit Bureau
Credit Bureau Address
Re: Incorrectly reported account XXXX-XXXX-XXXX
To whom it may concern,
This follow up letter is a formal notification that you have failed to respond to my initial dispute letter regarding the above referenced account, that was sent on {MM/DD/YYYY}. I sent the initial letter via registered mail with returned receipt that was signed by your representative on {MM/DD/YYYY}, which is clearly seen on the copy of the return receipt that I am attaching.
As you certainly aware, Federal Law requires you to respond within 30 days. However, it has been well over 30 days since you have received my dispute letter, yet I have not received any response. You must also know that failure to comply violates the Fair Credit Reporting Act and thus, may well be investigated by the FTC.
I realize that you may have misplaced my initial letter or have failed to respond because of an oversight as you already receive huge volume of dispute letters daily. I am certain however, you would like to resolve this unfortunate situation promptly. To help you facilitate such a swift resolution, I am enclosing copy of my original request, copy of receipt which was signed when your bureau received my initial dispute letter and proof validating a total inaccuracy of the record mistakenly placed on my credit report. Please verify the information again and send me your response as soon as possible.
Thanks,
Your Signature
Your Name
Mon Mar 1, 2010 11:03PM | Copyright: www.bad-credit-advisor.com | More in Credit Report Dispute | Comments (0)
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