Dispute Letters

[Trish]

Cool.
Thank you!

[Trish]

Just so it doesn't get lost.

Guide To Disputing/Removing Judgments

[Trish]

This letter should be sent to EXP AND their registered agent:

RE: NOTICE OF INTENT TO SUE EXPERIAN INFORMATION SOLUTIONS, INC.

To whom it may concern:

On xxx xx, xxxx I sent a dispute Certified Mail # xxxx xxxx xxxx xxxx xxxx to Experian wherein I disputed xxxxxxxxxxxxx Account #xxxx xxxx xxxx xxxx as never late

On xxx xx, xxxx Experian received my dispute as recorded on the return receipt.

On xxx xx, xxxx Experian sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED.

On xxx xx, xxxx, I proceeded to access my consumer report via Experian's website and make copies of the information pertaining to xxxxxxxxxx Account #xxxx xxxx xxxx xxxx.

15 U.S.C. 1681i(a)(1)(a) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by Experian on xxx xx, xxxx indicates the account was previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant.

It has been 3x days since Experian received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation date of x-xxxx. Based on the previous information, I am hereby demanding deletion of xxxxxxxxxx Account # xxxx xxxx xxxx xxxx from my Experian file pursuant to 15 U.S.C. 1681i(a)(1)(a). I will NOT accept another reinvestigation of the account ONLY deletion.

Experian has 10 days from the tracked receipt of this letter to cure or else I will be forced to immediately proceed with litigation to recover damages caused by Experian�s willful and negligent noncompliance of the Fair Credit Reporting Act. If the account in question is removed from my files within the 10day timeframe as previously stated, I will consider the matter to be closed and no further action will be taken.

I look forward to an amicable solution to this matter.

*courtesy of dixiedrifer from CB




*Please keep in mind this is an ITS letter. It is only a guideline. If you do not intend to follow through, then you need to be sure and change some of the wording here.
You can still get your point across without threatening lawsuit.

[Trish]

This is basically a Full Cease and Desist letter.......stating that you will only deal with the OC.
*NOT recommended if the account is still within SOL and the CA owns the debt.
You can check with the OC and see if the acct has been sold or assigned.

CA Address
Date
RE: Account xxxxxxx

Dear Sir or Madam:

I am disputing your claim of the debts owed and request that you cease and desist in your efforts to collect on the above referenced accounts. It is my personal policy not to deal with collection agencies and i will only deal with the original creditor of this account. Give this letter the immediate attention it deserves.

Cordially,
Your Name

[Trish]

A Non PP Letter is a letter you write to a company that did a Hard Pull on your CR that you did not authorize.


*Non PP Letter*

Re: Unauthorized Credit Inquiry

To Whom It May Concern:

I recently received a copy of my credit report. The credit
report showed a credit inquiry by your company that I do not recall
authorizing. I understand that you shouldn't be allowed to put an
inquiry on my file unless I have authorized it. Please have this
inquiry removed from my credit file because it is making it very
difficult for me to acquire credit.

I have sent this letter certified mail because I need your prompt
response to this issue. Please be so kind as to forward me
documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to
inquire into my credit report, then please send me proof of this.

Thanking you in advance,

-Consumer


*More Aggressive Non PP letter*

Re: Unauthorized Credit Inquiry

To Whom It May Concern:

I have noticed that you have placed an inquiry on my credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies
treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law (Fair Credit Reporting Act -- 15 USC §1681b) for an entity to view a consumer’s credit report without a "permissible purpose," I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

[Describe any additional details about the inquiry here if need be. For example, your a subscriber to My Credit Keeper and Trilegiant pulled a "hard inquiry" on one of your reports.]

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC §1681n(a)(1)(B ) states, in part, "in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or $1,000, whichever is greater;"

You are civilly liable to me in the amount of $1,000.00 for your willful violation of the law -- performing a "hard inquiry" on my credit file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one (1) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.

Please contact me immediately at the address listed below.

Sincerely,

Consumer
Address
City State Zip Code

[mystikal57]

Originally Posted by Trish

No. Do not send dispute letters CMRR unless you need proof in court and/or you are sending the dispute to the CRA legal dept. Even then CM only would probably be ok. CMRR on a regular dispute looks like a CRO....those along with all of the regular typed up form letters are processed and sent through to the dept where it is all computerized (just like online disputing). Human hands will never touch those letters.....and that lessens your chance of a deletion.

If you want proof or a way to track your letter.....send it CM only. Handwritten if possible. If not, use purple or teal italic font because their computers cannot scan those.

I got tired of spending so much money and now I only send my dispute via regular mail. Only time I use CM is when I know I will need proof.

Just my .02

Are you saying it's ok to use a computer generated letter? Also is this acceptable for pre hippa?

[Trish]

Originally Posted by mystikal57

Are you saying it's ok to use a computer generated letter? Also is this acceptable for pre hippa?

Handwritten is always best......but otherwise yes..... you can use purple or teal italic font since those cannot be scanned by the CRAs computers.
And yes, you can use that for the medical dispute letters too.

[Tater]

Wow, I learned quite a lot from this thread, I usually have done past disputes by letter but using a standard form. I will definately stop this in the future. I didn't realize they couldn't scan the purple or teal font but I will probably do hand written as suggested. I have opted out so my next step is to update my address and stuff. I will read the letters section for that as I plan to do that over the weekend. This is a very informative site !!

[jjgross]

Originally Posted by Tater

Wow, I learned quite a lot from this thread, I usually have done past disputes by letter but using a standard form. I will definately stop this in the future. I didn't realize they couldn't scan the purple or teal font but I will probably do hand written as suggested. I have opted out so my next step is to update my address and stuff. I will read the letters section for that as I plan to do that over the weekend. This is a very informative site !!

Any standard letter has to changed around so it doesn't look like it came from a site.

[igraine]

Hi newbie here,

You recommend that all personal info except current address should be removed from the credit reports. How exactly does one go about that? Just sending a letter to all 3 bureaus requesting they remove all previous addresses and they will? What if they ask for a reason? Its not like the info is wrong...